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I have visa cash rewards 25k
plus flagship 5k
plus platnium visa 17k
plus navy check 15k
Where are you getting your information from distantarray? Unless I'm reading the link wrong, the Flagship card is 2 pts/dollar and those points are worth 1% towards travel. So $10,000 in spend = $200 in travel rewards. The annual fee is only $49. It's definitely on my list...
https://www.navyfederal.org/products-services/cards/creditcards/flagship.php