Forum Thread

Possible to get a good rewards card from a smaller bank?

shosterman 22 16 September 19, 2015 at 11:40 AM in Finance (2)

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Hello all,

Without getting too much into it, I've been stuck with Chase bank for a few years now after an illness and paying down CC debt. They were completely unwilling to bring down an absurdly high rate to help me through it. Anyway, finally paid down and I want to move far away from them.

I am moving my business and personal account to a small bank in my home town where the staff is wonderful and very helpful.

The problem comes with rewards points. What I do like about Chase and some other larger banks I have looked at is they have good rewards points. Previous to me being sick I would pay off my card every month and the rewards were basically free money. Looking at nerdwallet and threads here on credit cards I'm trying to decide between something new. Maybe a travel card?

Ironically, it would seem the best way to stick it to Chase is to borrow their money, pay off every month and take their rewards. Maybe I am just being petty and spiteful for something that ultimately was my responsibility.

Anyway, just interested in some more input if anyone wants to offer any.



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I don't bank with Chase but I like the rewards they give me using Freedom, INK and CSP. They don't earn any interests from me but as long as they allow me to use their CCs with generous CLs, I'll enjoy all the perks they provide.

as to banks, I prefer the small town banks and CUs that are very customer friendly.
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I refinanced my house 2 years ago to the same small bank I am looking at for checking/savings. They were wonderful, easy to work with, friendly, etc.

So yep, I may have to stick with them but I do have to find something since the current card stopped giving rewards.
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If you’re finally ready to jump into the credit card rewards game, now is the perfect time. With fall and the holiday season approaching, some of the best opportunities for earning rewards are just around the corner.
With that being said, not all rewards cards are equal. Before you hop on the rewards wagon this fall, it makes sense to research some of the best rewards cards – and the best card combinations.
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Quote from shosterman View Post :
Anyway, just interested in some more input if anyone wants to offer any.
I know you can get good rewards cards from some credit unions, like Pentagon Federal Credit Union (which anyone can join) and Navy Federal Credit Union.

You might also want to try out the reward calculator at to see which cards might pay you more in reward value for your usual monthly expenses. It also calculates good combinations of cards for your spending.
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