Posted by William Charles on February 10, 2017
Credit Cards

Published on February 10th, 2017 | by William Charles


[ID, UT] 3% Cash Back On Balance Transfers (No Balance Transfer Fee) – Mountain America Credit Union

The Offer

Direct link to offer

  • Mountain America is offering a 3% cash bonus on balance transfers to their Mountain America Visa Platinum Credit Card. Bonus deposited into your account within one business day. There are no balance transfer fees.

mount america

The Fine Print

  • On approved credit.
  • Limit of two transfers from the same external account or financial institution.
  • Total cash bonus cannot exceed 3% of the credit limit on your Mountain America Credit Card.
  • Not available on business accounts or balances transferred from an existing Mountain America loan.
  • Cash back reward is considered interest and will be reported on IRS Form 1099-INT.


You need to work for one of the select employer groups, have an immediate family member with an account or reside in one of the following counties:


Our Verdict

So the cash bonus is limited to 3% of your total credit limit and it’s taxable. They have offered this bonus before, but we still don’t have any data points on what sort of credit limits to expect. Citadel bank also has a similar 3% balance transfer bonus for those in PA.

It is nice this is also available to current cardholders as well. If anybody has any experience on what type of credit limits to expect, please share below. In addition Mountain America Federal Credit Union also frequently offer checking account bonuses. As always a full list of the best cash sign up bonuses can be viewed here.

Big thanks to reader Curmudgeon for sending this through.

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Can you do a balance transfer check (deposit into chk) or you can just transfer balance from another credit card?


The landing page says you have to select the Balance Transfer option when applying, so I doubt a check would be an option.

Don L

May be available nationally through membership in the American Consumer Council


There’s a few offers like this floating around. However, they do not offer 0% interest rates, and most people are likely much better off getting a card that does offer 0%.

Offer URL Cash Back APY Intro APY Fee 2% 9%+ 2.5%+ None 2% 7.5%+ N\A ? 2% 8%+ N\A None 2% 10%+ N\A None 1.5% 10.25%+ N\A $3 (Waived)


This is a churning blog. People who are paying interest on cards should avoid what we do anyway.


Not sure I agree with the classification of “churning blog.” The “Shopping Cart Trick” page (along with “Comenity” and “Pre-Approved List” pages) have been the most popular pages for the past two years. None of the those pages are useful for churners or advanced CC users.


Nationwide PTA members can join this credit union (and it appears to me you can apply for this card – YMMV). Per the MACU PTA promo page, “At the membership qualification prompt, select, “I work for the following company” and select your state’s PTA or the National PTA from the drop-down menu.”

To join a PTA, they just need your name, address, and e-mail address, and a set amount of $$$ – mine was 7 bucks.

I joined MACU for the $150 “Grass is Greener” checking promo they were running on the checking [now expired], but the $100 promo still exists. It was a hard pull for the checking account (EX – I’m in VA), so I would anticipate the same bureau pull for their CC. They are making it harder to keep the checking free, so my membership is drawing to a close soon.

Don L

Wow, great information

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