Is it worth it to get a Navy Flagship Visa?

[DigitalArk]

I want a no FTF card and I know I won't use it too much. I don't like the AF of Flagship, but its points doesn't expire like goRewards'. I cannot make up my mind which one to get: Flagship or goRewards?

[DaveSignal]

I don't have the flagship, but I would avoid paying an annual fee (even if small) on a card that I don't plan on often using.

[Creditaddict]

after avoiding it for over a year then raving about it for the last 3 months, I'm coming to the table with my tail between my legs that it's not the best option! i misunderstood and THOUGHT i could trade in rewards towards any travel related charges (hotel, car rental, etc.) but no... I can buy airline tickets, can't use points towards airline tickets already bought... anything like gas cards, hotel cards, etc. don't equal more than 1% so that's silly... im over it!

we put Capital One Quicksilver in our wallet as our every day card now.

[DaveSignal]

I will agree that the NFCU rewards are not that great.   I would get the GoRewards as a decent card with no ForEx and no other fees.  I would get it for a util boosting card, due to the higher than average credit limit, and a good card for taking advantage of NFCU's frequent 0% balance transfer options.   Then get a better rewards card from a different bank for actually collecting poitns, if rewards are what you are after.

[DigitalArk]

I just applied for goRewards MasterCard today and was approved for 1K, my lowest limit so far!

See my other post at:

http://ficoforums.myfico.com/t5/Credit-Cards/Well-I-couldn-t-help/td-p/2418563

[GoRavens]

I'm pretty sure you can use your points towards airline tickets already bought.  They call it "book on your own" or something like that.  You book the flight and send them a secure message telling them about the purchase, they research it, and credit your points balance accordingly.  1 point = $0.01.  I do not believe you can do the same thing for hotel stays, car rentals, ect but maybe I'm wrong.