List of 2% or more cashback cards
Below is a list of no annual fee flat-rate (non-category) cashback credit cards with a minimum of permanent (non-promotional) 2% cashback on all purchases, regardless of method of payment (i.e., we've excluded cards that require payment via Apple Pay or PayPal to qualify for 2% or more cashback).
To keep the table to a manageable length while maximizing its utility for our readers, our criteria for listing a card in this table are as follows:
- No annual fee, AND
- Available in many states (see the next table, below, for a list of "geofenced" credit union cards), AND
- Pays permanent 2% or more cashback on all purchases.
If you know of a card that you believe should be added, please send a message to r/CreditCards Moderators for updates.
| CB | FTF | Type | Bank Name | Card Name | SUB | Car Rental CDW | Travel Accident Ins. | Trip Canc./ Interr. | Ext. Warr. | Purch. Prot. | Cell Prot. | Price Prot. | Bag Delay | Membership |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 3% [A] | No FTF | MC | Logix FCU | Platinum Rewards | $100 | Y | Y | Y | N | N | N | N | N | Am. Cons. Counc., 8 States + D.C., req. $100k [A] |
| 3% | No FTF | Visa | Coastal Community Bank | Robinhood Gold Card | No SUB | Y | Y | Y | Y | Y | N | N | N | Robinhood Gold, $50 [B] |
| 2.625% [C] | 3% | Visa | Bank of America | Unlimited Cash Rewards | $200 | N | N | N | N | N | N | N | N | Open, req. $100k [C] |
| 2.5% [D] | No FTF | Visa | Alliant CU | Cashback Visa Signature | No SUB | Y | Y | N | Y | Y | N | N | N | Alliant CU Found., $0, req. checking, e-deposit and $1,000 [D] |
| 2.25% [E] | No FTF | Visa | Truist | Enjoy Cash | No SUB | N | N | N | N | N | N | N | N | 15 States + D.C., req. $100k [E] |
| 2.25% [C] | 3% | Visa | Bank of America | Unlimited Cash Rewards | $200 | N | N | N | N | N | N | N | N | Open, req. $50k [C] |
| 2.22% [F] | 3% | MC | Citi | Double Cash | $200 | N | N | N | N | N | N | N | N | Open, req. Rewards+ card [F] |
| 2.2% | No FTF | MC | SoFi | Unlimited 2% | No SUB | N | N | N | N | N | Y | N | N | Open, req. checking, savings and direct deposit [G] |
| 2% | No FTF | Visa | State Department FCU | Premium CashBack+ | $200 | N | N | N | N | N | N | N | N | Am. Cons. Counc., $0 [H] |
| 2% | No FTF | Visa | U.S. Bank (Elan) | Fidelity Rewards | $150 [I] | N | Y | N | N | Y | N | N | Y | Fidelity, $0 [I] |
| 2% | No FTF | MC | Capital One | BJ’s One+ Mastercard | $40 | N | N | N | N | N | N | N | N | BJ’s, $110 [J] |
| 2% | No FTF | MC | SoFi | Unlimited 2% | No SUB | N | N | N | N | N | Y | N | N | Open |
| 2% | No FTF | AmEx | Comenity | Bread Cashback | No SUB | Y [K] | N | N | N | Y | N | N | N | Open |
| 2% | No FTF | Visa | PNC | Cash Unlimited | No SUB | N | N | N | N | Y | Y | N | N | 25 States + D.C., req. min. $5k SL [L] |
| 2% [M] | No FTF | Visa | PenFed CU | Power Cash Rewards | $100 | N | Y | N | N | Y | N | N | N | $5, req. checking and $500 or direct deposit [M] |
| 2% [N] | No FTF | Visa | PSECU | Founder’s Rewards | No SUB | Y | N | N | Y | N | N | N | N | Penn. Rec. and Park Soc., $15, req. checking and direct deposit [N] |
| 2% [A] | No FTF | MC | Logix FCU | Platinum Rewards | $100 | Y | Y | Y | N | N | N | N | N | Am. Cons. Counc., 8 States + D.C., req. $35k [A] |
| 2% [O] | No FTF | MC | Fifth Third | Preferred Cash/Back | No SUB | N | N | N | N | N | Y | N | N | Open, req. $100k [O] |
| 2% | 1% | Visa | USALLIANCE Financial | Visa Signature | No SUB | N | Y | Y | N | Y | Y | Y | N | Am. Cons. Counc., $1 [P] |
| 2% | 1% | Visa | Carolinas Telco FCU | 2% Cash Back | No SUB | Y | Y | N | Y | N | N | N | N | N. Carolina Cons. Counc., $25 [Q] |
| 2% | $2.50 [R] | MC | Dover FCU | Cash Back | No SUB | N | N | N | N | N | N | N | N | Friends of Bombay Hook, $20 [R] |
| 2% [S] | 2.7% | AmEx | American Express | Blue Business Cash | $250 | Y | N | N | Y | Y | N | N | N | Open |
| 2% | 3% | Visa | Wells Fargo | Active Cash | $200 | N | N | N | N | N | Y | N | N | Open |
| 2% | 3% | Visa | FNBO | Evergreen | $200 | N | N | N | N | N | N | N | N | 8 States [T] |
| 2% [F] | 3% | MC | Citi | Double Cash | $200 | N | N | N | N | N | N | N | N | Open |
| 2% [U] | 3% | Visa | TD Bank | Double Up | $150 | N | N | N | Y | Y | Y | N | Y | 15 States + D.C., req. checking and $100 [U] |
| 2% | 3% | MC | Synchrony | Premier | No SUB | N | N | N | N | N | N | N | N | Open |
| 2% [V] | 3% [V] | MC | KeyBank | Key Cashback | No SUB | Y | N | N | N | N | N | N | N | 15 States, req. checking, e-deposit, savings and $1k [V] |
Explanations:
- [A] The Logix FCU Platinum Rewards pays (uncapped) 1.5% cashback. With Relationship Rewards, cardholders can get bonused credit card rewards with varying amounts deposited or borrowed from Logix. Thus, the Logix FCU Platinum Rewards pays 2% cashback with $35,000 deposited or borrowed from Logix, and 3% cashback with $100,000. Requires American Consumer Council membership to gain eligibility to join Logix FCU, plus a $5 refundable member share deposit. ACC membership can be obtained for free with the coupon code: consumer. The card is available in 8 U.S. states and Washington, D.C. The 8 states are Arizona, California, Maine, Massachusetts, Maryland, Nevada, New Hampshire and Virginia.
- [B] The Robinhood Gold Card is issued by Coastal Community Bank because Robinhood itself is not a bank. The card has no annual fee, but requires maintaining an annual Robinhood Gold membership, which costs $50/year. (The card is not available to monthly Robinhood Gold subscribers.)
- [C] The Bank of America Unlimited Cash Rewards pays (uncapped) 1.5% cashback. With Preferred Rewards, cardholders can get bonused credit card rewards with varying amounts deposited or invested with Bank of America or Merrill Edge: 25% at $20,000, 50% at $50,000 and 75% at $100,000. Thus, the BoA Unlimited Cash Rewards pays 1.875% cashback with $20,000 deposited or invested with Bank of America or Merrill Edge; 2.25% cashback with $50,000; and 2.625% cashback with $100,000.
- [D] Requires Alliant Credit Union Foundation digital inclusion advocate membership to gain eligibility to join Alliant CU. An Alliant Credit Union Foundation digital inclusion advocate membership is provided for free by Alliant CU. Alliant CU also contributes the $5 member share deposit, so joining Alliant CU is free. The Alliant CU Cashback Visa Signature pays (uncapped) 1.5% cashback. With an Alliant checking account with a $1,000 minimum daily balance enrolled in eStatements and at least one monthly electronic deposit, cardholders can earn 2.5% cashback on up to $10,000 spent on all purchases (regardless of category) each month. (Purchases over the $10,000/month cap still earn 1.5% cashback.)
- [E] The Truist Enjoy Cash pays (uncapped) 1.5% cashback. With Loyalty Cash Bonus, cardholders can get bonused credit card rewards with varying amounts deposited or invested with Truist: 10% with a Truist checking, savings or money market account (no minimum balance required), 25% at $25,000 and 50% at $100,000. Thus, the Truist Enjoy Cash pays 1.65% cashback with a Truist checking, savings or money market account (no minimum balance required); 1.875% cashback with $25,000 deposited or invested with Truist; and 2.25% cashback with $100,000. The card is available in 15 U.S. states and Washington, D.C. The 15 states are Alabama, Florida, Georgia, Indiana, Kentucky, Maryland, New Jersey, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia and West Virginia.
- [F] The Citi Double Cash earns 1% cashback on purchases and an additional 1% cashback on payments made on those purchases. Note that, as a result of this "1% plus 1%" cashback earning structure, cashback must be redeemed as a direct deposit or transferred to a different Citi credit card in order to receive the full 2% cashback. Redeeming cashback as a Citi Double Cash credit card statement credit results in an only 1.98% cashback rate. Cashback is earned in the form of ThankYou Points (TYP), which can be transferred to a Citi Rewards+ credit card for a 10% bonus on redemptions (making the Double Cash effectively earn 2.22% cashback) or a Citi Premier credit card (annual fee applies) for increased value. The Rewards+'s 10% bonus on redemptions applies to the first 100,000 TYPs (=$1,000 in cashback) redeemed per calendar year, so the effective 2.22% cashback rate on a Double Cash paired with a Rewards+ applies to up to $50,000 spent each calendar year (assuming all spend is put through the Double Cash).
- [G] The SoFi Unlimited 2% Credit Card pays (uncapped) 2% cashback. With SoFi Checking and Savings accounts (SoFi does not allow maintaining a Checking account alone or a Savings account alone) with at least one monthly direct deposit (into either the Checking or the Savings account), cardholders can earn (uncapped) 2.2% cashback.
- [H] Requires American Consumer Council membership to gain eligibility to join the State Department FCU. ACC membership can be obtained for free with the coupon code: consumer. SDFCU also contributes the $1 member share deposit, so joining SDFCU is free.
- [I] Requires a Fidelity brokerage, Fidelity Cash Management, Fidelity 529 College Savings Plan, Fidelity Traditional IRA, Fidelity Roth IRA, Fidelity Rollover IRA, Fidelity SEP IRA, Fidelity Go, Fidelity Charitable Giving, or Fidelity HSA account. A Fidelity Cash Management account can be opened for free, and there is no minimum balance requirement. The SUB is $150 only if, e.g., this link or this link is used to apply. Applicants who fail to apply via one of these links may not qualify to receive the SUB.
- [J] The Capital One BJ’s One+ Mastercard pays (uncapped) 2% cashback on all purchases. The card also pays (uncapped) 5% cashback on most purchases at BJ’s. The card has no annual fee, but requires maintaining a BJ’s Club+ membership, which costs $110/year.
- [K] The Comenity (Bread) Cashback card's car rental CDW only applies in the U.S. and Canada, and is secondary in both countries. (Typically, car rental CDW applies in most countries in the world, and, typically, coverage is secondary in the U.S. but primary in other countries.)
- [L] Requires qualifying for a starting credit limit of $5,000 or more. Only existing PNC customers can apply for the card online; all other customers must apply in person at a PNC branch. The card is available in 25 U.S. states and Washington, D.C. The card is not available in the following states: Alaska, Arkansas, Connecticut, Hawaii, Idaho, Iowa, Kansas, Louisiana, Maine, Minnesota, Mississippi, Montana, Nebraska, Nevada, New Hampshire, New York, North Dakota, Oklahoma, Oregon, Rhode Island, South Dakota, Utah, Vermont, Washington (state) and Wyoming. It is also not available in the U.S. territories, including Puerto Rico.
- [M] Requires a $5 refundable member share deposit. With military service; a PenFed Free Checking account with either a $500 minimum daily balance or monthly direct deposits totaling at least $500/month or a PenFed Access America checking account, cardholders can earn (uncapped) 2% cashback. Note that, while an Access America checking account confers eligibility to earn (uncapped) 2% cashback with a $25 minimum balance and no direct deposit requirements, the Access America checking account charges a $10 monthly maintenance fee unless one maintains either a $500 minimum daily balance or monthly direct deposits totaling at least $500/month.
- [N] Requires Pennsylvania Recreation and Park Society membership to gain eligibility to join PSECU, which costs $10 ($20 minus PSECU's contribution of $10 toward the cost of PRPS membership), plus a $5 refundable member share deposit. With a PSECU checking account and monthly direct deposits totaling at least $500/month, cardholders can earn (uncapped) 2% cashback.
- [O] Requires Preferred Banking status, which requires $100,000 deposited or invested with Fifth Third.
- [P] Requires American Consumer Council membership to gain eligibility to join USALLIANCE Financial, plus a $1 refundable member share deposit. ACC membership can be obtained for free with the coupon code: consumer.
- [Q] Requires North Carolina Consumers Council membership to gain eligibility to join Carolinas Telco FCU if applying from outside its geographical area, which costs $20 for an individual membership, plus a $5 refundable member share deposit.
- [R] Requires Friends of Bombay Hook membership to gain eligibility to join Dover FCU if applying from outside its geographical area, which costs $15 for an individual membership, plus a $5 refundable member share deposit. The foreign transaction fee is a flat $2.50 per transaction, so there's a net cost to use the card on any foreign transaction less than $125 (for larger foreign transactions, the cashback earned would exceed the $2.50 FTF).
- [S] The American Express Blue Business Cash (note, this is a business credit card) pays 2% cashback on up to $50,000 spent on all purchases (regardless of category) each calendar year.
- [T] The card is available in 8 U.S. states. The 8 states are Colorado, Illinois, Iowa, Kansas, Nebraska, South Dakota, Texas and Wyoming.
- [U] The TD Bank Double Up earns 1% cashback on purchases and an additional 1% cashback when cashback is redeemed into a TD Checking, TD Savings, or TD Money Market account. Note that, as a result of this "1% plus 1%" cashback earning structure, cashback must be redeemed as a direct deposit into a TD Checking, TD Savings or TD Money Market account in order to receive the full 2% cashback. Redeeming cashback as a TD Bank Double Up credit card statement credit results in an only 1% cashback rate. A TD Convenience Checking account can be opened with a $100 minimum daily balance (otherwise a $15 monthly maintenance fee applies). The card is available in 15 U.S. states and Washington, D.C. The 15 states are Connecticut, Delaware, Florida, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, South Carolina, Vermont and Virginia.
- [V] With a KeyBank checking account with monthly deposits totaling at least $1,000/month and a KeyBank savings or investment account with a $1,000 minimum daily balance, cardholders can earn (uncapped) 2% cashback. The 3% FTF is waived for Canadian purchases. The card is available in 15 U.S. states. The 15 states are Alaska, Colorado, Connecticut, Idaho, Indiana, Maine, Massachusetts, Michigan, New York, Ohio, Oregon, Pennsylvania, Utah, Vermont and Washington (state).
List of 2% or more cashback cards from state-restricted credit unions
| State | CU Name | Card Name | Type | CB | Spend Cap | SUB | FTF | Car Rental CDW | Travel Accident Ins. | Trip Canc./Interr. | Ext. Warr. | Purch. Prot. | Cell Prot. | Price Prot. | Bag Delay | Cost to Join |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Alabama (Parts) | Keesler | Visa Signature | Visa | 2% | No Cap | $100 | 1% | Y | N | N | N | N | N | N | N | $5 [A] |
| Arkansas | Arkansas | World Mastercard | MC | 2% | No Cap | No SUB | No FTF | N | N | N | N | N | N | N | N | $5 [B] |
| California (Parts) | MERCO | Member Cash Preferred | Visa | 2.5% | No Cap | No SUB | 1.8% | N | N | N | N | N | N | N | N | $10 [C] |
| California (Parts) | Water and Power Community | Cash Rewards | MC | 2% [D] | No Cap | No SUB | 1.1% | N | N | N | N | N | N | N | N | $30 [D] |
| Florida (Parts) | 121 Financial | Visa Signature | Visa | 2% | No Cap | $500 | No FTF | N | N | N | N | N | N | N | N | $5 [E] |
| Florida (Parts) | 121 Financial | Visa Cash Rewards | Visa | 2% | No Cap | $250 | No FTF | N | N | N | N | N | N | N | N | $5 [E] |
| Hawaii | Hawaii State | Always Cash | Visa | 2.5% | $5,000/ month | No SUB | No FTF | Y | N | N | Y | Y | Y | Y | N | $20 [F] |
| Hawaii (Parts) | HFS | Visa Signature | Visa | 2% | No Cap | $300 | No FTF | Y | Y | N | Y | Y | N | N | N | $51 [G] |
| Hawaii (Parts) | Gather | Signature Visa | Visa | 2% | No Cap | No SUB | No FTF | N | N | N | N | N | N | N | N | $6 [H] |
| Idaho (Parts) | East Idaho | Visa Signature | Visa | 2% | No Cap | No SUB | 1% | Y | Y | Y | Y | N | N | N | N | $10 [I] |
| Indiana (Parts) | Honor | Select Rewards | MC | 2% | No Cap | No SUB | 1% | N | N | N | N | N | N | N | N | $0 [J] |
| Iowa | Veridian | Visa Signature | Visa | 2% [K] | No Cap | No SUB | 1% | Y | N | N | N | N | N | N | N | $5, req. checking and direct deposit [K] |
| Iowa (Parts) | First Federal | Ca$h Rewards | Visa | 2% | No Cap | No SUB | 1% | N | N | N | N | N | N | N | N | $5 [L] |
| Kansas [M] | Credit Union of America | Cash Back Signature Card | Visa | 2% | No Cap | $75 | No FTF | Y | Y | Y | Y | Y | N | N | Y | Am. Cons. Counc., $1 [M] |
| Louisiana (Parts) | Keesler | Visa Signature | Visa | 2% | No Cap | $100 | 1% | Y | N | N | N | N | N | N | N | $5 [A] |
| Louisiana (Parts) | Baton Rouge Telco | Visa Cash Back | Visa | 2% | No Cap | No SUB | No FTF | N | N | N | N | N | N | N | N | $5 [N] |
| Maryland (Parts) | Har-co | Black Card | Visa | 2% | No Cap | No SUB | No FTF | N | N | N | N | N | N | N | N | $5 [O] |
| Michigan | Dort Financial | Visa Signature | Visa | 2% [P] | No Cap | $100 | 1% | N | N | N | N | N | N | N | N | $1 [P] |
| Michigan | Frankenmuth | Diamond CashBack | MC | 2% | No Cap | No SUB | 1% | N | N | N | N | N | N | N | N | $15 [Q] |
| Michigan | Honor | Select Rewards | MC | 2% | No Cap | No SUB | 1% | N | N | N | N | N | N | N | N | $0 [J] |
| Mississippi (Parts) | Keesler | Visa Signature | Visa | 2% | No Cap | $100 | 1% | Y | N | N | N | N | N | N | N | $5 [A] |
| Nebraska (Parts) | Explorers | Mastercard | MC | 2% | No Cap | No SUB | 1% | N | N | N | Y | Y | N | Y | N | $10 [R] |
| Nebraska (Parts) | Veridian | Visa Signature | Visa | 2% [K] | No Cap | No SUB | 1% | Y | N | N | N | N | N | N | N | $5, req. checking and direct deposit [K] |
| New Jersey (Parts) | Atlantic | INSPIRE Rewards | Visa | 2% | No Cap | No SUB | No FTF | N | N | N | N | N | N | N | N | $1 [S] |
| New Jersey (Parts) | Visions | Elite Visa Signature | Visa | 2% | No Cap | No SUB | No FTF | Y | Y | Y | Y | Y | N | N | Y | $1 [T] |
| New Mexico (Parts) | U.S. Eagle | METAL | Visa | 2% [U] | No Cap | No SUB | 1% | N | N | N | N | N | N | N | N | $5 [U] |
| New York (Parts) | Visions | Elite Visa Signature | Visa | 2% | No Cap | No SUB | No FTF | Y | Y | Y | Y | Y | N | N | Y | $1 [T] |
| New York (Oswego) | Compass | Visa Platinum with Rewards | Visa | 2% | No Cap | No SUB | 1% | N | N | N | N | N | N | N | N | $5 [V] |
| Oregon (Parts) | HAPO | Visa Cash Back | Visa | 2% | No Cap | No SUB | 1% | Y | Y | N | N | N | N | N | Y | $0 [W] |
| Pennsylvania (Parts) | Visions | Elite Visa Signature | Visa | 2% | No Cap | No SUB | No FTF | Y | Y | Y | Y | Y | N | N | Y | $1 [T] |
| South Dakota (Parts) | Explorers | Mastercard | MC | 2% | No Cap | No SUB | 1% | N | N | N | Y | Y | N | Y | N | $10 [R] |
| Texas | RBFCU | CashBack Rewards | MC | 2% | No Cap | No SUB | No FTF | N | Y | N | N | N | N | N | N | $1 [X] |
| Texas (Parts) | ACU of Texas | Select Mastercard | MC | 2% | No Cap | $100 [Y] | 1% | N | N | N | N | N | N | N | N | $1 [Y] |
| Texas (Parts) | TDECU | Onyx Mastercard | MC | 2% [Z] | No Cap | No SUB | No FTF | N | Y | N | N | N | N | N | Y | $5 [Z] |
| Washington State | HAPO | Visa Cash Back | Visa | 2% | No Cap | No SUB | 1% | Y | Y | N | N | N | N | N | Y | $0 [W] |
| Wisconsin (Parts) | Honor | Select Rewards | MC | 2% | No Cap | No SUB | 1% | N | N | N | N | N | N | N | N | $0 [J] |
| Wisconsin (Parts) | People Caring More | Platinum Rewards | MC | 5% | $1,000/ month | No SUB | 1% | Y | Y | N | Y | N | Y | Y | N | $5, req. checking, direct deposit, and savings [AA] |
Note: In general, for "geofenced" credit unions, it's possible to become a member from outside the geofence if you have a family member (e.g., a (grand)parent, sibling, spouse, sometimes even a cousin or aunt/uncle) who's a member of the credit union.
Explanations:
- [A] Depending on one's credit profile, the card offers a permanent (non-promotional) APR as low as prime (currently 6.25%). The card requires living, working, worshiping or attending school in parts of the following Alabama county: Mobile; parts of the following Louisiana parishes: Jefferson, Orleans, Plaquemines, St. Bernard, St. Charles, St. James, St. John the Baptist, St. Tammany; the following Mississippi counties: Copiah, Forrest, Hancock, Harrison, Holmes, Lincoln, Madison, Pearl River, Rankin, Simpson, Warren, Yazoo, Hinds (parts), Jackson (parts); plus a $5 refundable member share deposit.
- [B] The card requires living or working anywhere in Arkansas, plus a $5 refundable member share deposit.
- [C] The card requires living, working, worshiping or attending school in the following California counties: Merced, Mariposa, Madera, Fresno, Stanislaus. Requires a one-time, non-refundable $5 membership fee to join MERCO Credit Union plus a $5 refundable member share deposit.
- [D] The WPCCU Cash Rewards pays (uncapped) 2% cashback on all purchases (regardless of category, but excluding mortgage payments). The card requires living, working, worshiping or attending school in the following California counties: Los Angeles, San Bernardino. Requires a one-time, non-refundable $5 membership fee to join WPCCU plus a $25 refundable member share deposit.
- [E] The 121 Financial Visa Cash Rewards offers credit limits ranging from $500-$5,000; the Visa Signature offers credit limits ranging from $5,000-$50,000. The cards require either (a) current or past employment by a telecommunications company, or (b) living, working or attending school in the following Florida counties: Alachua, Baker, Bradford, Clay, Columbia, Duval, Flagler, Nassau, Putnam, St. Johns, Union; plus a $5 refundable member share deposit.
- [F] The Hawaii State FCU Always Cash Visa Signature Rewards pays 2.5% cashback on up to $5,000 spent on all purchases (regardless of category) each billing cycle (month). The card requires Hawaii residency (i.e., out-of-state members of HSFCU are ineligible to apply); plus a $20 refundable member share deposit (note that a $100 average daily balance is required to be maintained in the member share savings account in order to avoid a $5/month service fee). Cardholders who later move to Iowa must inform HSFCU and cease use of the card.
- [G] The card requires living, working, worshiping, attending school or volunteering on the Hawaiian island of Hawaii. Requires a one-time, non-refundable $1 membership fee to join HFS FCU, plus a $50 refundable member share deposit.
- [H] The card requires living, working, worshiping or attending school in the following Hawaiian islands: Kauai and Niihau. Requires a one-time, non-refundable $1 membership fee to join Gather FCU, plus a $5 refundable member share deposit.
- [I] The card requires living or working in the following Idaho counties: Bonneville, Butte, Custer, Clark, Fremont, Jefferson, Lemhi, Madison, Teton. Requires a one-time, non-refundable $5 membership fee to join East Idaho CU, plus a $5 refundable member share deposit.
- [J] The card requires living, working or worshiping anywhere in Michigan; living or working in the following Indiana counties: Lake, Porter, LaPorte, St. Joseph, Elkhart, Lagrange, Steuben, Newton, Jasper, Starke, Marshal, Kosciusko, Noble, Dekalb; or living or working in the following Wisconsin counties: Iron, Vilas, Forest, Florence, Marinette.
- [K] The card requires maintaining a Free Checking account with direct deposit and electronic statements to earn (uncapped) 2% cashback; otherwise, cardholders earn (uncapped) 1.5% cashback. The card requires living or working anywhere in Iowa; or the following Nebraska counties: Cass, Douglas, Lancaster, Sarpy, Saunders, Washington; plus a $5 refundable member share deposit.
- [L] The card requires living, working or worshiping in the following Iowa counties: Benton, Buena Visa, Clay, Dickinson, Linn; plus a $5 refundable member share deposit.
- [M] Requires American Consumer Council membership to gain eligibility to join the Credit Union of America, plus a $1 refundable member share deposit. ACC membership can be obtained for free with the coupon code: consumer. Credit union membership is technically open to all; however, it is only possible to join the credit union in person at a branch. All CUA branches are located in Kansas.
- [N] The card requires living, working or attending school in the following Louisiana parishes: Ascension, East Baton Rouge, East Feliciana, Iberville, Livingston, Pointe Coupee, Saint Helena, Tangipahoa, West Baton Rouge, West Feliciana; plus a $5 refundable member share deposit.
- [O] The card requires living, working, worshiping or attending school in the following Maryland county: Harford; plus a $5 refundable member share deposit.
- [P] The Dort Financial CU Visa Signature pays (uncapped) 2% cashback on all purchases (regardless of category, but excluding tax payments). The card requires living, working, worshiping or attending school anywhere in Michigan; plus a $1 refundable member share deposit.
- [Q] The card requires living, working, worshiping or attending school anywhere in Michigan; plus a $15 refundable member share deposit.
- [R] The card requires living, working, worshiping, attending school or volunteering in the following Nebraska counties: Antelope, Boone, Boyd, Cedar, Cuming, Dakota, Dixon, Holt, Knox, Madison, Pierce, Platte, Stanton, Thurston, Wayne, Wheeler; or the following South Dakota counties: Aurora, Bon Homme, Charles Mix, Clay, Davison, Douglas, Hanson, Hutchinson, Lincoln, McCook, Minnehaha, Turner, Union, Yankton; plus a $10 refundable member share deposit.
- [S] The card requires living, working, worshiping or attending school in the following New Jersey counties: Union, Essex.
- [T] The card requires living, working, worshiping or attending school in the following New Jersey counties: Bergen, Essex (parts), Hudson (parts), Morris (public school and select business employees), Passaic, Union (parts), Sussex (public school and select business employees), Warren (public school and select business employees); the following New York counties: Broome, Cayuga, Chemung, Chenango, Cortland, Delaware, Madison, Otsego, Rockland (parts), Schuyler, Steuben, Tioga, Tompkins; the following New York cities: Rochester (parts), Syracuse; the following Pennsylvania counties: Bradford, North Fayette (parts), South Westmoreland (parts), Susquehanna; or the following Pennsylvania cities: Allentown (parts), Bethlehem (parts), Easton (parts), Reading (parts); plus a $1 refundable member share deposit.
- [U] The U.S. Eagle METAL earns 1.5% cashback on purchases and an additional 0.5% cashback on payments made on those purchases. The card requires living, working, worshiping or attending school in the following New Mexico counties: Sandoval, San Juan; plus a $5 refundable member share deposit.
- [V] The card requires living, working, worshiping, volunteering or attending school in the New York county of Oswego; plus a $5 refundable member share deposit. It is only possible to join the credit union in person at a branch.
- [W] The card requires living, working, worshiping or attending school anywhere in Washington state, or living or working in the following Oregon counties: Clackamas, Clatsop, Columbia, Gillam, Hood River, Morrow, Multnomah, Sherman, Umatilla, Wasco, Washington.
- [X] The card is PIN-preferred (as opposed to the vast majority of U.S. credit cards, which are signature-preferred), which may make it preferable for frequent international travelers (as most non-U.S. countries generally issue PIN-preferred cards), but may be somewhat inconvenient domestically. The card requires living, working or worshiping anywhere in Texas, plus a $1 refundable member share deposit.
- [Y] The card requires living, working, worshiping or attending school in the following Texas counties: Austin, Brazoria, Brazos, Burleson, Chambers, Fayette, Fort Bend, Galveston, Grimes, Harris, Lee, Liberty, Matagorda, Montgomery, Waller, Washington, Wharton; plus a $1 refundable member share deposit. The SUB is 4% cashback on up to $5,000 spent in the first three billing cycles (months).
- [Z] The TDECU Onyx Mastercard pays (uncapped) 2% cashback on all purchases (regardless of category, but excluding tax payments and Buc-ees fuel purchases). The card also offers 10¢ off/gallon on Buc-ees fuel. The card requires living, working, worshiping or attending school in the following Texas counties: Bastrop, Bexar, Blanco, Brazoria, Caldwell, Calhoun, Collin, Comal, Dallas, Denton, Dewitt, Fayette, Fort Bend, Galveston, Goliad, Gonzales, Guadalupe, Harris, Hays, Jackson, Kendall, Lavaca, Lee, Matagorda, Montgomery, Refugio, Tarrant, Travis, Victoria, Williamson; plus a $5 refundable member share deposit.
- [AA] The PCMCU Platinum Rewards pays 5% cashback on up to $1,000 spent on all purchases (regardless of category) each month. To be eligible for membership in the credit union, one has 3 ways of qualifying: 1. live or work in the Wisconsin counties of Brown, Door, Kewaunee, Marinette, Oconto, and Shawano (all in the Green Bay area), or work for a qualifying employer (all based in the Green Bay area); 2. have a relative who is currently a PCMCU member; 3. live in the same household as someone who is currently a PCMCU member. Membership requires a $5 refundable share deposit. The credit card itself has a $49 annual fee which is waived by maintaining a Rewards Savings savings account with electronic statements and a No Fee Checking checking account with direct deposit and electronic statements and one transaction on the debit card each year.