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PC nRewards to Flagship?

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js0319
Established Contributor

PC nRewards to Flagship?

I currently have the nRewards, but am really not attracted so much by the rewards. I'd much rather have travel rewards. Can you easily PC to the Flagship, and is the Flagship worth the $39 AF?

AMEX PRG - NPSL I AMEX Everyday Preferred - $34.8k I Capital One Venture - $20k I Chase Sapphire Preferred - $25.5k I Chase Southwest Rapid Rewards Premier - $20.7k I Barclay Arrival + - $10k I Capital One Quicksilver - $10k I NFCU Flagship Rewards Visa Signature - $15k I NASA FCU - $10k I Texell FCU Visa - $5k I Chase Freedom - $9.9k I Citi Double Cash - $7.8k I Discover IT - $5k I NFCU CLOC - $15k I Total Unsecured Credit - $188,700

EQ FICO - 714 (5/24/16) I TU FICO - 772 (5/24/16) I EX FICO - 770 (5/24/16)
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js0319
Established Contributor

Re: PC nRewards to Flagship?

I had to redeem my rewards points from the nRewards, but I was able to PC to the Flagship as I met all of the minimum requirements. APR went from 17.49% to 17.99%, but they said I would be eligible for an auto or manual review 12 months from today to lower the rate. The fee will be charged to the card within 24-48 hours. 


AMEX PRG - NPSL I AMEX Everyday Preferred - $34.8k I Capital One Venture - $20k I Chase Sapphire Preferred - $25.5k I Chase Southwest Rapid Rewards Premier - $20.7k I Barclay Arrival + - $10k I Capital One Quicksilver - $10k I NFCU Flagship Rewards Visa Signature - $15k I NASA FCU - $10k I Texell FCU Visa - $5k I Chase Freedom - $9.9k I Citi Double Cash - $7.8k I Discover IT - $5k I NFCU CLOC - $15k I Total Unsecured Credit - $188,700

EQ FICO - 714 (5/24/16) I TU FICO - 772 (5/24/16) I EX FICO - 770 (5/24/16)
Message 2 of 5
leegreen
Frequent Contributor

Re: PC nRewards to Flagship?

For annual spending of 1 to 9999 the cashRewards beats the flagship.
06/26/2014 - Gardening until 7/1/15
NFCU NavCheck 15k, cashRewards VS 14k, nRewards 14k
Amex BCE 15k, CapOne Quicksilver MC 3k, USAA Platinum MC 2k, Discover It 1k
Jared 5.1K, Zales 5k, Lowe's 15k, Home Depot 5k
Message 3 of 5
Creditaddict
Legendary Contributor

Re: PC nRewards to Flagship?

Doesn't goRewards give you almost as much as Flagship?

We had Flagship and I didn't like it... you have to purchase flights through them... I rather get cash and now that they offer 1.5%... if you really want travel I think either with a specific airline or Arrival is your best reward structure if you travel same airline all the time that is for a specific one but again cash might just be better.

Message 4 of 5
js0319
Established Contributor

Re: PC nRewards to Flagship?

I tried to go for the Amex Delta revolver last September when I was approved for the Amex PRG, and I was declined. I've never tried for the Arrival, but I'm afraid I have too many baddies reporting still (all paid) until January or so. I have spent roughly $9,000 on the nRewards in 10 months, so $10k+ shouldn't be an issue. I usually fly Delta, unless  United or AA is cheaper. Also, DW has CashRewards. 


AMEX PRG - NPSL I AMEX Everyday Preferred - $34.8k I Capital One Venture - $20k I Chase Sapphire Preferred - $25.5k I Chase Southwest Rapid Rewards Premier - $20.7k I Barclay Arrival + - $10k I Capital One Quicksilver - $10k I NFCU Flagship Rewards Visa Signature - $15k I NASA FCU - $10k I Texell FCU Visa - $5k I Chase Freedom - $9.9k I Citi Double Cash - $7.8k I Discover IT - $5k I NFCU CLOC - $15k I Total Unsecured Credit - $188,700

EQ FICO - 714 (5/24/16) I TU FICO - 772 (5/24/16) I EX FICO - 770 (5/24/16)
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