NFCU credit cards

[Anonymous]

What card would you get and why? If you have one already why did you get the one you picked?

nRewards Visa/nRewards MasterCard ** 8.90% Credit Limit from $1000 to $50,000 goRewards Visa/goRewards MasterCard ** 9.40% Credit limit from $1000 to $50,000
(competitive $18 annual fee) Flagship Rewards Visa ** 9.90% Credit limit from $1000 to $50,000
(competitive $49 annual fee) Visa Platinum/Platinum MasterCard ** 7.90% Credit limit from $1000 to $50,000 cashRewards Visa *** Variable Credit limit from $1000 to $50,000 nRewards Secured ** 15.9% Credit limit from $500 to $50,000

Thank you for your input!!! 

[austinguy907]

Personally?  I would rank cards in this order:

1. no AF ( Why pay more to use their money than the interest rate if you don't PIF? )

2. fixed rate over variable 

3. CL

[Anonymous]

If you want/need to carry a balance, go with the Platinum Visa or MC

- 7.9% fixed rate (cash 9.9%)

- No fees

- BT & Convenience Check same rate as purchases

If you want reward, I like the cash reward

-  1% up to $10k annually, $1.5% after $10k annually

-  Real Time rewards (accumulate as purchases post)

-  Real time transfers to any account (savings, checking, cc, loans)

-  9.65% variable purchases (11.65% cash)

-  No fees

-  BT & Convenience checks same rate as purchases

NFCU is by far my favorite card overall.  I use it a lot and surpassed the $10k purchases first month.  I now make 1.5% cashreward on all purchases.  They don't charge and cash or BT fees.  Easy to use.  Fast post of payments.  Great CS.  Great CL.  Just love NFCU!

Message Edited by txjohn on 08-02-2009 07:11 AM

[Anonymous]

I went for the low fixed rate on the platinum visa.  Got $20k and 7.9% fixed.  This is my highest CL now.