It can be for any reason! Rewards. Low rate. Length of history. Special attachment to your credit union. Etc.
Mine used to be the Affinity Cash Rewards before they nerfed the 5% stackable quarterly categories (decided to close it). Now, it's the Addition Financial Premier Rewards (geofenced CU in FL); 5% quarterly rotating (Back to school category is OP!), 3% travel, no FTF, cell protection.
What's yours? Please share!
@Wu-Credit wrote:It can be for any reason! Rewards. Low rate. Length of history. Special attachment to your credit union. Etc.
Mine used to be the Affinity Cash Rewards before they nerfed the 5% stackable quarterly categories (decided to close it). Now, it's the Addition Financial Premier Rewards (geofenced CU in FL); 5% quarterly rotating (Back to school category is OP!), 3% travel, no FTF, cell protection.
What's yours? Please share!
My favorite cards are Interior FCU non-rewards Platinum, Members 1st (Enola PA) FCU low-rate Platinum, and Chartway FCU Rewards Points. The first two are good for no-fee balance transfer offers, the third for no-fee cash advances.
I already have the TDECU Platnum with 5% discount on gas at buccees. But once I can get my scores in the 800+, I'll go for the TDECU Onyx version.
The Onyx is:
2% cb on everything with no caps
5% discount on gas at buccees at the pump + 2% cb on purchase (stacked) = 7% savings on gas (no caps)
No FTF
No AF
6mo 0% bt promo
6mo 0% purchases promo
9.5% apy after promo
Excellent credit required to apply
Reference: https://www.tdecu.org/loans-and-credit-cards/credit-cards/onyx-mastercard/
@SouthJamaica wrote:My favorite cards are Interior FCU non-rewards Platinum, Members 1st (Enola PA) FCU low-rate Platinum, and Chartway FCU Rewards Points. The first two are good for no-fee balance transfer offers, the third for no-fee cash advances.
You bring up a good point about no balance transfer fee or cash advance fees! I never use them, but the Addition Premier Rewards has those too!
@Drifter73 wrote:I already have the TDECU Platnum with 5% discount on gas at buccees. But once I can get my scores in the 800+, I'll go for the TDECU Onyx version.
The Onyx is:
2% cb on everything with no caps
5% discount on gas at buccees at the pump + 2% cb on purchase (stacked) = 7% savings on gas (no caps)
No FTF
No AF
6mo 0% bt promo
6mo 0% purchases promo
9.5% apy after promo
Excellent credit required to apply
Reference: https://www.tdecu.org/loans-and-credit-cards/credit-cards/onyx-mastercard/
That card has to feel like achieving max master level credit card skill on a RPG character! haha
To be completely honest, I would have nothing to do with CUs if it were not for better or different cards than banks. My only CU experiences are AOD (which I know you said not to mention, sorry) and nusenda. AOD needs no explanation and nusenda offers 5% rotating which often staggers from freedom and Disco Cash Back. Otherwise, give me a big name, chain bank any day of the week.
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@FicoMike0 wrote:Thanks for the inputs. I haven't found a cu card I really want, but I'm looking.
Hope this thread helps you find one!
@ptatohed wrote:To be completely honest, I would have nothing to do with CUs if it were not for better or different cards than banks. My only CU experiences are AOD (which I know you said not to mention, sorry) and nusenda. AOD needs no explanation and nusenda offers 5% rotating which often staggers from freedom and Disco Cash Back. Otherwise, give me a big name, chain bank any day of the week.
I think everyone should have at least one CU membership and card. They treat their members so much better than big banks. If I didn't have Platinum (not Honors) at BofA I'd have kept the Affinity and possibly added a few more CU cards like Nusenda and Langley.
@longtimelurker wrote:
@ptatohed wrote:To be completely honest, I would have nothing to do with CUs if it were not for better or different cards than banks. My only CU experiences are AOD (which I know you said not to mention, sorry) and nusenda. AOD needs no explanation and nusenda offers 5% rotating which often staggers from freedom and Disco Cash Back. Otherwise, give me a big name, chain bank any day of the week.
Yes, but I guess the point of the thread is to expose interesting deals from perhaps little known CUs, of which there are (technical term) "a lot"
Most people here know of the offerings from the big banks, but at the time AOD/US Alliance were little-known gems!
Very true! I hope you all continue to share because I love finding CU gems! It's like playing an RPG game to me lol.
@longtimelurker wrote:
@ptatohed wrote:To be completely honest, I would have nothing to do with CUs if it were not for better or different cards than banks. My only CU experiences are AOD (which I know you said not to mention, sorry) and nusenda. AOD needs no explanation and nusenda offers 5% rotating which often staggers from freedom and Disco Cash Back. Otherwise, give me a big name, chain bank any day of the week.
Yes, but I guess the point of the thread is to expose interesting deals from perhaps little known CUs, of which there are (technical term) "a lot"
Most people here know of the offerings from the big banks, but at the time AOD/US Alliance were little-known gems!
I love to see someone who knows 'alot' is actually two words! 