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uChoose Rewards

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Established Contributor

uChoose Rewards

I am curious if anybody here has a credit card that is part of the uChoose Rewards program? If so, please let us know what you think and how the cash redemption works. My understanding is there are several credit unions that use uChoose Rewards. Thanks!

Message 1 of 8
7 REPLIES 7
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Super Contributor

Re: uChoose Rewards

UChoose?

Know about CURewards.
For a collection of our current FICO scoring wisdom, updated as we learn, read the following. Watch the revision dates on the bottom of the first 8 posts as they are regularly updated: Link to Scoring Primer.


RIP:




Updated Oct 2020, unless otherwise noted.

(Forgive typos, mobile.)(Everything said is Just IMHO.)

In order to better answer your questions and record your DPs, please provide your profile stats: Any baddies? Severity and recency? (clean/dirty), Number of accounts, both open and closed on CRs (thick/thin), AoOA? (Mature/young), AOYRA-Age of Youngest Revolving Account (new accounts/no new accounts)? Open/closed loan on CR?
For example, mine is clean/thick/mature/new account, with open loan on record.
If you don't know where you fall, just detail any baddies, your number of open and closed accounts, AoOA, AOYRA and whether you have a loan on record to start.

For utilization questions, list individual and aggregate utilizations, revolving and installment, please.
Message 2 of 8
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Established Contributor

Re: uChoose Rewards

Thanks for the reply, Birdman. Yes, it's uChoose and here is a link with their FAQs.

 

https://www.uchooserewards.com/e/members/article.php?method=faq

 

I think I'm going to hold off unless I get some real reviews from the community here.

Message 3 of 8
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Super Contributor

Re: uChoose Rewards

I think many of those CU reward programs are relatively weak. Usually the cards are good for fewer fees, lower interest, etc but the rewards are usually just okay, nothing to write home about. A 2% cash back will outperform a lot of them. 

Message 4 of 8
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Super Contributor

Re: uChoose Rewards

Can’t beat AOD for 3% non-category, really.

 

edited. 

For a collection of our current FICO scoring wisdom, updated as we learn, read the following. Watch the revision dates on the bottom of the first 8 posts as they are regularly updated: Link to Scoring Primer.


RIP:




Updated Oct 2020, unless otherwise noted.

(Forgive typos, mobile.)(Everything said is Just IMHO.)

In order to better answer your questions and record your DPs, please provide your profile stats: Any baddies? Severity and recency? (clean/dirty), Number of accounts, both open and closed on CRs (thick/thin), AoOA? (Mature/young), AOYRA-Age of Youngest Revolving Account (new accounts/no new accounts)? Open/closed loan on CR?
For example, mine is clean/thick/mature/new account, with open loan on record.
If you don't know where you fall, just detail any baddies, your number of open and closed accounts, AoOA, AOYRA and whether you have a loan on record to start.

For utilization questions, list individual and aggregate utilizations, revolving and installment, please.
Message 5 of 8
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Super Contributor

Re: uChoose Rewards

I checked out that link and it’s definitely not familiar to me and I’m a member of several.

Hopefully someone who has experience with it will chime in.
For a collection of our current FICO scoring wisdom, updated as we learn, read the following. Watch the revision dates on the bottom of the first 8 posts as they are regularly updated: Link to Scoring Primer.


RIP:




Updated Oct 2020, unless otherwise noted.

(Forgive typos, mobile.)(Everything said is Just IMHO.)

In order to better answer your questions and record your DPs, please provide your profile stats: Any baddies? Severity and recency? (clean/dirty), Number of accounts, both open and closed on CRs (thick/thin), AoOA? (Mature/young), AOYRA-Age of Youngest Revolving Account (new accounts/no new accounts)? Open/closed loan on CR?
For example, mine is clean/thick/mature/new account, with open loan on record.
If you don't know where you fall, just detail any baddies, your number of open and closed accounts, AoOA, AOYRA and whether you have a loan on record to start.

For utilization questions, list individual and aggregate utilizations, revolving and installment, please.
Message 6 of 8
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Established Contributor

Re: uChoose Rewards


@Birdman7 wrote:
Can’t be AOD for 3% non-category, really.

Close! It's actually for the other 3% card mentioned on here from Tropical Financial in South Florida. Tough to get many data points for this one.

 

https://ficoforums.myfico.com/t5/Credit-Cards/Florida-Tropical-Financial-3-Mastercard/td-p/5976099/p...

Message 7 of 8
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Mega Contributor

Re: uChoose Rewards

If you search "uchoose credit union" you see lots of credit unions use this system: Service CU, Corporate America Family CU, America First CU,  Choice One CU, Cooperative Choice CU, CFCU, U$X CU,  First Federal CU,  Education First CU    

 

are all on just the first page.   Now if any MyFico people are members (none of these sound familiar as MUST HAVE credit cards!)....

 

This is a FISERVE product, which is a major supplier of financial software to CUs and others.

Message 8 of 8
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