No AF 3X credit cards comparison – Bank of the West, Golden 1, UMB, Bellco, Security Service Power
Bank of the West Cash Back Mastercard
3% on gas, grocery, dining
Cash back auto applied quarterly as statement credit
Restricted to the West, some Midwestern states: https://www.bankofthewest.com/customer-service/branch-results.html
Golden 1 Visa Platinum Rewards
3% on gas (MCC 5541, MCC 5542), grocery (MCC 5411), and restaurant (MCC 5812 not including fast food)
Cash back deposited to checking account end of each month
Restricted to California
UMB Simply Rewards Visa
3X on gas (MCC 5541, MCC 5542), grocery (MCC 5411), discount stores (MCC 5310), restaurants (MCC 5812) and fast food (MCC 5814)
Must redeem in amounts of $ 20, $ 50, or $ 100 increments. Points do appear to be 1:1 for statement credit. (quoted from http://ficoforums.myfico.com/t5/Credit-Cards/UMB-Simply-Rewards-card/td-p/4363953).
Points expire 5 years from time of issue
Restricted to the Midwest (Arizona, Colorado, Illinois, Kansas, Missouri, Nebraska, Oklahoma, and Texas)
Bellco Colorado Rewards
Bonus 15k points if spending 500 within 90 days
3X on gas, grocery, wholesale clubs, misc. food/c-stores, golf, campground, movies, shoes, sporting/tourist places, …etc
Must redeem increments of 3k points = $ 25, 6k points = $ 50, or 10k points = $ 100 (need to spend $ 3334 on 3X categories to earn at least 10k points)
Points expire 3 years from time of issue
Restricted to Colorado
Security Service Power Travel Rewards
Bonus 2.5k points if spending 500 within 90 days
3.3X on gas, restaurants (including fast food?), travel
Must redeem increments of $ 25 statement credit (Is it 1point =1cent?), or 12k points = $ 100 visa gift card, but 10k points = $ 100 on other gift cards
Points expire 3 years from time of issue???
Restricted to TX, CO, UT
I just thought that they are sort of similar initially but actually quite different upon further research!!
I will update this post after your feedback. Please feel free to point out any errors or important things.