A Simple Way to Stretch the Value of Your NEA Membership

Find out how “stacking” your benefits can help you turbocharge your union perks.

Teacher and young students stacking wooden blocks in a school classroom

by NEA Member Benefits

As an NEA member, you have access to professional support through the union as well as to a wide range of personal resources available through NEA Member Benefits. You can find everything from discounts on classroom supplies to affordable auto insurance tailored for education professionals.

When you take advantage of the perks included in your union dues, there’s a smart way to combine some of them to maximize the value: Using the NEA® Customized Cash Rewards Visa Signature® credit card1 to make payments on other NEA benefits is like getting a double deal!

With this customizable credit card, you can decide which of six categories2 you want to earn 3% cash back in each month. To change your choice category for future purchases, you must go to Online Banking, or use the Mobile Banking app. You can change it once each calendar month, or make no change and it stays the same.3 You also can earn 2% at grocery stores and wholesale clubs, and 1% on all other purchases. Earn 2% and 3% cash back on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn 1%.

Here are a few examples of how you can use this smart “stacking” technique to boost your benefits and stretch the value of your membership.


The NEA Auto & Home Insurance Program gives NEA members access to car and home insurance created for educators.

Stack this benefit by paying your auto and home insurance bill with the NEA® Customized Cash Rewards Visa Signature® credit card to earn 1% cash back.

Bonus stack: If you’re considering buying a new or used car, check out the deals you can get through the NEA Auto Buying Program, then insure the vehicle through the NEA Auto & Home Insurance Program.


You will find exclusive NEA preferred rates on car rentals, hotels, cruise lines, luxury resorts and guided vacations – with guaranteed savings of up to 60% – when you shop through the NEA Travel Program, our booking engine. Airfare is also available at NEA Travel.

When you first register, you’ll get $500 NEA Travel Dollars that you can use on future travel purchases, plus you’ll earn more if you sign up for our Travel or Shopper’s Guide newsletters.

Stack this benefit by paying for your flights, car rentals, cruises and more with the NEA® Customized Cash Rewards Visa Signature® credit card. Before you buy, choose “Travel” as your category for the month so you can earn 3% cash back.

Bonus stack: Through our new NEA Discount Marketplace, you can find more deals to enhance your travels, such as Restaurant.com certificates when you dine out as well as tickets to events and attractions in your destination.


Help protect your family from unforeseen expenses by securing a life insurance policy, issued by The Prudential Insurance Company of America4, that suits your needs. For example, our Group Term Life Insurance Plan, offered at exclusive member-only rates, can provide you with up to $500,000 of term life coverage and other benefits to help your loved ones deal with financial obligations such as a mortgage or college costs. We also offer Accidental Death & Dismemberment Insurance5 that can cover you in the event of accidents related to transportation, fire, drowning and falls.

Stack this benefit by paying your bill with the NEA® Customized Cash Rewards Visa Signature® credit card so you can earn 1% cash back each time you make a payment. You can easily access your NEA Members Insurance Trust accounts to pay a bill through our Manage Products & Services page.

Bonus stack: Protect your four-legged family members with NEA Pet Insurance.6 Get an NEA-member discount7, and get reimbursed up to 90% on eligible vet bills.8


You can find lots of great discounts on all your shopping needs, including access to well-known retailers through NEA Discount Marketplace (where you can earn cash back when you shop), a new Costco membership and deep discounts on reading material through the NEA Magazine Service.

Stack these benefits by shopping with the NEA® Customized Cash Rewards Visa Signature® credit card. With this customizable credit card, you have the option to choose “Online Shopping” as your 3% cash-back category in the months you know you will be making online purchases.

Bonus stack: If you’re shopping because you’re planning to move or do a big home renovation, check out the NEA Auto & Home Insurance Program and the NEA Personal Loan. Before shopping for project supplies and décor, you can choose “Home Improvement & Furnishings” as your 3% category on your NEA® Customized Cash Rewards Visa Signature® credit card to help maximize your rewards.

1 For information about rates, fees, other costs and benefits associated with the use of this card or to apply, click on the link above and refer to the disclosures accompanying the online credit card application. This credit card program is issued and administered by Bank of America, N.A.
2 Earn 3% cash back in the category of your choice: Gas, Online Shopping, Dining, Travel, Drug Stores, or Home Improvement and Furnishings.
Mobile Banking requires that you download the Mobile Banking app and is only available for select mobile devices. Message and data rates may apply.
4 The products issued by The Prudential Insurance Company of America may not be available in all states.
5 This policy provides ACCIDENT insurance only. It does NOT provide basic hospital, basic medical or major insurance as defined by The New York Department of Financial Services.
NEA Life Insurance coverage and NEA Accidental Death and Dismemberment Insurance coverage are issued by The Prudential Insurance Company of America, Newark, NJ. The Booklet- Certificate contains all details, including any policy exclusions, limitations, and restrictions which may apply. If there is a discrepancy between the document and the Booklet- Certificate the terms of the Group Contract will govern. CA COA #1179 NAIC #68241 Contract Series 83500.
6 Pet insurance coverage is offered and administered by Pets Best Insurance Services, LLC and is underwritten by American Pet Insurance Company, a New York insurance company. Please visit www.americanpetinsurance.com to review all available pet health insurance products.
7 $7/month for cats and $10/month for dogs in WA.
8 5% discount applies to BestBenefit plans; discount not available in AK, HI, or TN. Additional 5% discount if insuring more than one pet.

Start stacking your membership benefits for maximum value