Safe Credit Union offers the cash rewards credit card, let’s take a look at this card in more detail.
Contents
Card Basics
- Card earns at the following rates:
- 5% on one revolving bonus category of your choice (home improvement, charity, utilities, and movie theatres according to this)
- 3% cash back on restaurants, groceries & gas
- 1% cash back on all other purchases
- Minimum redemption is $10
- No annual fee
- No sign up bonus
Our Verdict
They have previously offered a $100 checking bonus as well. Categories aren’t the best, but charity could be very useful for some people.
Hat tip to reader Lrdx
I live in the bay area, Alameda County and put in an app, never got an email, phone call, a way to set up account, nothing. A week later I decided just to hit them up and see what’s going on. Come to find out they wanted to verify identity, sent ID, ssn, and then they require utility bill which I dont have cause I live with parents. I’ve opened banks that are in socal, with nfcu, etc never asked me for a utility bill. I wouldn’t mess with this credit union. I heard so many bad things about the credit union… I rather go with WF lol
Any luck to get approved for anyone out of CA with Aerospace membership?
yes, join aerospace museum of california will get you in
does anyone know what is the spend limit on the 5% cash back category?
Trying to get this one on a whim as I’m in the upper Midwest. I know it says CA only, but a man likes to try things.
Was trying to get through with a membership in the Aerospace Museum of CA. Got rejection letter that vaguely says I don’t meet membership requirements. Calling in confirms being out of state is a no go for membership.
Not satisfied because of a vague online application that in no way says it limits membership to CA residents only, I’ve sent a complaint to CFPB. I know it’s a long shot, but if they want to be vague, I’m going to pursue this as far as I can.
Maybe a lost cause, but I like a challenge.
Did you get your membership processed?
Long story short. If you’re not in CA (and probably more specific have to be in their footprint), don’t apply.
Tried applying with membership in the Aerospace Museum (as it’s a listed membership possibility). After a CFPB complaint and everything, they hid behind the fact that I didn’t live in their service area, although that is never explicitly stated. Got my Museum membership $$ back, big whoop for the silly amount of time spent persuing this dead-end.
Anyone tried this recently? I am also in the Midwest but have gotten around geographic restrictions before via nonprofit memberships. I contacted them via secure message, telling where I lived and if this membership would suffice for eligibility and they replied:
“…You are correct! A Natural person member of the Aerospace Museum of
California Foundation, Inc. would be eligible for membership with SAFE. SAFE would need a copy of an unexpired member ID card or receipt (email or hard copy) showing new or renewed membership…”
Currently, however, it does seem that the museum membership is $85, which is pretty steep and unjustifiable just for a credit card. Did you get membership another way or for less money? I am not sure that the various donation options ($5 and up) would be enough.
https://ficoforums.myfico.com/t5/Credit-Cards/SAFE-CU-Cash-rewards-5-amp-3/m-p/5246046
Seems to be home improvement, charity, utilities, and movie theatres according to the above link. If this was available in my area, I would get it and probably cancel my Amex, Discover, and Freedom cards.
I used to belong to SAFE – they’re a decent CU, but unremarkable. They pull TU for credit products, SP + Chex to join. They did send me a preapproval offer for a card w/ a $10K limit, and no HP, but I didn’t take it since I was trying to get back under 5/24. I asked them about it, and she said they usually do them 1-2 times per year, but it’s random if/when they do.
3% back on cash??! Sign me up! JK… DoC, need to update that to gas…. 🙂
Sign me up to!!! 3% back on cash! 😀
Opps, let me fix