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New Contributor
Posts: 51
Registered: ‎07-02-2009
0

NFCU credit cards

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 Visaborder=0 *** Variable Credit limit from $1000 to $50,000 nRewards Securedborder=0 ** 15.9% Credit limit from $500 to $50,000

 

Thank you for your input!!! 

Frequent Contributor
Posts: 306
Registered: ‎03-03-2008
0

Re: NFCU credit cards

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

Scores by lender CLI requests 4/15/14: EQ 760 / TU 755 / EX
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Scores by lender 4/25/11: EQ 705 / EX 743 / TU 735
Mortgage closed 5/20/2011!
Senior Contributor
Posts: 4,214
Registered: ‎09-12-2008
0

Re: NFCU credit cards

[ Edited ]

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

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09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
New Contributor
Posts: 73
Registered: ‎04-13-2009
0

Re: NFCU credit cards

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

 

 

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