Credit Cards Center Credit cards from our partners
Reply
Super Contributor
Posts: 6,672
Registered: ‎04-07-2008
0

NFCU cash rewards or platinum?

Please provide your feedback on which one has better benefits?

 

 




Epic Contributor
Posts: 25,853
Registered: ‎10-23-2007
0

Re: NFCU cash rewards or platinum?


CS800 wrote:

Please provide your feedback on which one has better benefits?

 

 


They are not very exciting 1 for 1

Fico Scores 8: EX 694. TU 689. EQ 658. 05/26/2015
New Contributor
Posts: 76
Registered: ‎05-26-2011
0

Re: NFCU cash rewards or platinum?

I have the Flagship and I like the rewards, but I don't think your question is going to get good responses...

 

What do you consider "better"? As what I consider valuable will most likley not be considered as valuable to you.

Feb. 2012: TU: 677 EQ: 647 EX: 666
Aug. 2013: TU: 729 EQ: 726 EX: 697
Goal 2013+: 720+ All Three
Moderator Emerita
Posts: 28,098
Registered: ‎04-01-2007
0

Re: NFCU cash rewards or platinum?

I went with the Cash Rewards, but IMO, the real rewards on Navy cards are their frequent $0 fee, 0% APR BT offers. They can't be beat.

 

Otherwise, I just picked the Cash Rewards for the 1% cash back. Now that I paid off my 0% BT, I'll buy something with the card every now and then to keep it alive.

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Super Contributor
Posts: 6,672
Registered: ‎04-07-2008
0

Re: NFCU cash rewards or platinum?

I was talking to the CSR and he said that the platinum has no benefits apart from maybe a lower APR. He even said that it's more for people rebuilding their credit.

 

So I'm going to stick with the cashreward that I got approved for. At least once I pass $10k on this card, i start getting 1.5% back.




Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
0

Re: NFCU cash rewards or platinum?

[ Edited ]

CS800 wrote:

I was talking to the CSR and he said that the platinum has no benefits apart from maybe a lower APR. He even said that it's more for people rebuilding their credit.

 

So I'm going to stick with the cashreward that I got approved for. At least once I pass $10k on this card, i start getting 1.5% back.



The platinum is pretty basic, lower apr...  The cashRewards has a higher APR... cash can be redeemed starting at $20... very easy to redeem the cash by depositing it into your account.

 

Joey is getting the platinum, as he doesn't spend a lot, we use amex for most of our spending. Plan is to transfer part of the balance off of my cashRewards card... The cashRewards card I have just got used for septic repairs... 4k worth!  I won't be able to pay it off completely before updates, so we are going to spread the balance between my cashRewards card and his Platinum card when he gets approved for it. 

 

The rewards aren't super exciting on the cashRewards card, but they are decent and easy to redeem. I've been depositing my rewards cash into my daughters new savings account.


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Super Contributor
Posts: 6,672
Registered: ‎04-07-2008
0

Re: NFCU cash rewards or platinum?

I'm glad I got the cashrewards then Smiley Happy

 

The max this card can go for CL is $30K. The Fladship sig goes up to $50K




Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
0

Re: NFCU cash rewards or platinum?

cashRewards card is not bad... the green design is ugly, but I like the fact I can deposit the cash into my daughters account....  Also, holding that card feels different than my other cards... maybe cause the limit is so freaking high.  I swear it weighs more by like a pound!


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Super Contributor
Posts: 6,672
Registered: ‎04-07-2008
0

Re: NFCU cash rewards or platinum?


webhopper wrote:

cashRewards card is not bad... the green design is ugly, but I like the fact I can deposit the cash into my daughters account....  Also, holding that card feels different than my other cards... maybe cause the limit is so freaking high.  I swear it weighs more by like a pound!


LOL, what's your CL on this card?

 

I think apart from the flagship, that's the best NFCU card




Frequent Contributor
Posts: 673
Registered: ‎04-23-2009
0

Re: NFCU cash rewards or platinum?

I've got the Visa Platinum with the IwoJima raising on it.  I used the card originally when I transfered 3 other cards with higher APR's balances to it with of course the no transfer fee which is stinking sweet not to mention the 18 months 0% APR deal I was getting at the time so I paid it off and then there were none!!  Haha it was one of the best decitions I had made in a long time.  To answer your question though I think you were right to go with the rewards card becasue besides that one time I really haven't used the card at all but they keep giveing me CLI's so its a bad mamma jamma to have!  Who dosen't like Platinum I mean come on!!


Starting Score: EQ FICO 777
Current Score: EQ FICO 803
Goal Score: EQ FICO 810


Take the FICO Fitness Challenge

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.