This one has almost identical T&C.

As soon as you’ve earned 50 Cash Rewards Dollars or more, call us at 1-866-676-4672 or visit www.universalcard.com so that we may send you a check for the total accumulated Cash Rewards Dollar amount shown on your monthly billing statement. We cannot issue you a check unless you contact us. Checks cannot be issued for amounts less than $50 unless you’ve already received checks totaling more than $250. Cardmembers must be registered for Account Online in order to request a check at www.universalcard.com.

Anyone know of a card where they just credit the cashback on your statement? One with no forex charge would be the ultimate!