NFCU is not all that anyway.  The deposit rates suck and the credit products are just meh all around.  All they are good for are super high limits.  If you look at peoples sigs people have a 15k limit with them but yet every other prime lender still gives them 2k.  In my opinion I would rather have a 1k freedom or discover than a 20,000 NFCU card. Only thing could see they are good for is the 0% no fee balance transfer.