Posted by William Charles on October 10, 2018
Credit Cards no image

Published on October 10th, 2018 | by William Charles

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[CA only] Safe Credit Union – Cash Rewards Card – 5% On A Revolving Category Of Your Choice + 3% On Gas/Grocery & Restaurants

Safe Credit Union offers the cash rewards credit card, let’s take a look at this card in more detail.

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



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Frank
Frank

3% back on cash??! Sign me up! JK… DoC, need to update that to gas…. 🙂

WGU
WGU

Sign me up to!!! 3% back on cash! 😀

Ryan
Ryan

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.

Brandon
Brandon

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.

lochquel
lochquel

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.

Zauch
Zauch

Did you get your membership processed?

lochquel
lochquel

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.

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