Which card? Nfcu cash or nRewards?

[Anonymous]

Which card would be easier to get? The cash rewards has a variable rate the nRewards is fixed. I was thinking a variable rate would be easier. Thx

[Anonymous]

What are you most interested in?

How much speding will you do annually on the card?

Will you carry a balance?

The cashreward gives 1% till you spend $10k in the year, then it bumps to 1.5%.  Best APR for this card is 9.65v

[Anonymous]

Not really worried about the rewards. I know with other companies one card might require higher scores over another. I'm wondering which one could get with a 650 and at least 4K

[Anonymous]

If you are not worried about the rewards, I would apply for the Platinum Visa or MC and get a potentially lower fixed rate APR.

[Anonymous]

l taked to a CSR at NFCU and she told me that they look for a certain score for any CC. Meaning you wont get declined for one card over another. Your credit score and income will get you a higher CL though.