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Regular Contributor
Rein
Posts: 122
Registered: ‎10-29-2012

Nfcu or usaa?

I have NFCU credit card and thinking about getting USAA. which one do you like better?

Established Contributor
dodgeball
Posts: 761
Registered: ‎10-16-2007

Re: Nfcu or usaa?

I like both, if I had to choose I guess it would be NFCU, just because there credit lines are better than anybody elses

NFCU Cash Rewards Siggy $22k, NFCU Flagship Rewards Siggy $22K, NFCU Platinum MC $20K, USAA Amex Rewards $6k, USAA World Mastercard Rewards $6k, NFCU Navcheck $15k

Other Cards - Citibank AAdvantage, Chase Slate, Barclays Rewards,


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Established Member
BornSupercharged
Posts: 85
Registered: ‎02-08-2013

Re: Nfcu or usaa?


dodgeball wrote:

I like both, if I had to choose I guess it would be NFCU, just because there credit lines are better than anybody elses


+1 NFCU is very generous. 


Total CL $179k | Budget Management | FICO Scores (TU 693) (EX 718) (EQ 729) | EIDT Me+Spouse Plan
Moderator
Revelate
Posts: 8,447
Registered: ‎12-30-2011

Re: Nfcu or usaa?

Pure credit perspective and other loan products, NFCU smokes USAA.  It's not even close really.

 

That said, if you can qualify for full membership at USAA, it's worth establishing it regardless as their insurance products are hard to beat and they're not a bad bank to do business with as a whole even as a limited member.  

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 679, EQ 8 708, TU 711, EX 702* (07/14/14, EX older)
Goal Score: 700 on EQ '04 (01/01/15)


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Established Contributor
LesWH
Posts: 608
Registered: ‎10-11-2012

Re: Nfcu or usaa?


Revelate wrote:

Pure credit perspective and other loan products, NFCU smokes USAA.  It's not even close really.

 

That said, if you can qualify for full membership at USAA, it's worth establishing it regardless as their insurance products are hard to beat and they're not a bad bank to do business with as a whole even as a limited member.  


+10000!!! I have my auto insurance through USAA and it can't be beat by anyone!!!!


NFCU Signature Visa Cash Rewards, NavChek, Citi AA AMEX, Cap1 Cash Rewards, Discover IT, Home Depot, Sears, Walmart, Chase Freedom, AMEX Green, Lowe's, AMEX BCE, Chase Sapphire Preferred, AMEX Hilton Honors Surpass, PayPal Extras MC, PenFed Platinum Cash Rewards, AMEX Platinum

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Regular Contributor
Bleety17
Posts: 169
Registered: ‎06-24-2011

Re: Nfcu or usaa?

Can't go wrong with being members of both
USAA Mastercard-$2000 USAA Visa-$2000 USAA SC-$300 NFCU-$12500 Walmart-$600 BestBuy $1000 Navcheck 3000

available credit- 2013 300 2014 21,400

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Moderator Emeritus
webhopper
Posts: 7,230
Registered: ‎09-16-2011

Re: Nfcu or usaa?

Their auto rates are competitive but state farm beats them for me...

I like navy; my husband and I joined usaa but we did not get any of their products.

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?
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Valued Member
nolongeraneqaddict
Posts: 35
Registered: ‎01-30-2013

Re: Nfcu or usaa?

Don't have NCFU, but I do like USAA. Its always nice being reimbursed for ATM fees. I was expecting their insurance to be better though, they were not able to beat the rate I receive from Liberty Mutual. Overall still a great company though.



START (01/13):TU: 701 | EQ: 692 | EX: 706
CURRENT: TU: 739 (FICO 5/13) | EQ: 711 (FICO 2/13) | EX: 725 (PLUS 5/13) in the garden since 3/9/2013
GOALS: 750 by 01/14
Chase Sapphire Preferred | Chase Marriott Rewards Premier | Chase Freedom | Chase Slate | AMEX Blue Cash Everday | Citi Dividend |
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Established Contributor
MountainHiker
Posts: 651
Registered: ‎08-07-2012

Re: Nfcu or usaa?

No question about it, NFCU the way to go.Better CL amounts better CLI's and best perks and services. Also they give better customer service.

EQ-732FICO,EX-PLUS 740,TU-725FICO
Goal 750 Across

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Valued Contributor
Dustink
Posts: 2,980
Registered: ‎10-02-2012

Re: Nfcu or usaa?

I think USAA has better rewards on their credit cards and that to me is better than a high limit on a poorly rewarding card.

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