Seeking CC help/suggestions - Specific conditions

That’s the specific datapoint needed. :+1:

Citi has also been known to excluded certain merchant categories from earning rewards, especially the one (I cant recall the actual category number) that CD purchases usually fall under. So it’s good to do the rewards math on their payouts occasionally, too.

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Indeed. I keep my short term funds mostly in a checking account that earns 0.01% or a “high yield” savings account earning 0.05%. Parking it in a CD ladder bought with Credit cards might be quite a bit better.

Do any of those CUs let you fund with an Amex?

I have never found a CU willing to fund with Amex. If you locate one, please let us know.

Although I haven’t tried it, you should be able to do that with PayPal Key which is a Mastercard (debit).