topic NFCU Flagship Rewards VISA Application in Credit Card Approvals

NFCU Flagship Rewards VISA Application

Have1 — Sat, 05 Sep 2026 17:17:16 GMT

I have been dithering about applying for the NFCU Flagship Rewards VISA and was planning to wait until I could definitely manage the spend required for the SUB. I pre-buy my propane for the year at a discount which also happens to be very useful for SUB spend.

Then the rumors about the new Flagship started getting loud. Since the rumors now include screenshots of CSR chats and even a picture of a marketing sign, I guess it's time to decide whether to apply and lock in the old Flagship even though I doubt I will find a way to spend the money to get the SUB. So, I applied a few minutes ago. Instant approval.

Details:

SL: $30,000

Int Rate: 14.74%

Income: $110,000

FICO 9 TU: 844

CC Util: <1%

Inquiries: 1/12 4/24

I already have the More Rewards with $25,000 SL since March 2022, have had two auto loans (one paid off and one half paid) and I just opened a Home Equity Loan in July with NFCU. The loan proceeds (plus a few additional thousands I have been moving to NFCU to be there when I write the check for my contractor) are sitting in my Flagship checking so NFCU is looking at a lot of money in my accounts right now. I'm sure my NFCU internal score is quite high right now.

Re: NFCU Flagship Rewards VISA Application

Vinjints — Sat, 05 Sep 2026 17:34:32 GMT

Congrats on the strong approval and getting in before the deadline.

Re: NFCU Flagship Rewards VISA Application

Jeffster1 — Sat, 05 Sep 2026 20:42:49 GMT

Congrats on the approval. 🎉🎉🎉

I love my Flagship Rewards card. It...and my BofA CCR...see the most use with me out of all my cards.

Re: NFCU Flagship Rewards VISA Application

crystal626 — Sun, 06 Sep 2026 03:48:51 GMT

Congrats!

Re: NFCU Flagship Rewards VISA Application

Copenix — Mon, 07 Sep 2026 12:48:24 GMT

Awesome! Congrats on your approval

Re: NFCU Flagship Rewards VISA Application

Have1 — Mon, 07 Sep 2026 14:18:46 GMT

Just an update: I received an email Sunday with a link to get my new Flagship card info so I can start using it online. The physical card is supposed to arrive in 7-10 business days.

I'm thinking about buying auto parts for my one owner barn find car that I really need to get running. I'm the owner and it is my barn. I just need to unbury it and do a survey.

Re: NFCU Flagship Rewards VISA Application

cashorcharge — Mon, 07 Sep 2026 17:43:27 GMT

Congratulations on your Approval!!👏🏼🍾🥂

You are almost to the top of NFCU's lending limit for Credit Cards

That limit is $80K

In a few months you can hit them up for a CLI and most ask for $8000 though don't be surprised if they give you only $5000

Also, if you'd like to make it easier, you can use the online chat and tell them you plan on making a balance transfer (that's a key term for them) and ask them to move your entire CL to the Flagship as that's the only card that can carry the highest limit...I don't believe the others will let you get that high. Even though you won't be doing a BT, that does usually have them agree to consolidate your CL to one card.

Re: NFCU Flagship Rewards VISA Application

Have1 — Tue, 08 Sep 2026 07:51:00 GMT

@cashorcharge wrote:
Congratulations on your Approval!!👏🏼🍾🥂
You are almost to the top of NFCU's lending limit for Credit Cards
That limit is $80K
In a few months you can hit them up for a CLI and most ask for $8000 though don't be surprised if they give you only $5000
Also, if you'd like to make it easier, you can use the online chat and tell them you plan on making a balance transfer (that's a key term for them) and ask them to move your entire CL to the Flagship as that's the only card that can carry the highest limit...I don't believe the others will let you get that high. Even though you won't be doing a BT, that does usually have them agree to consolidate your CL to one card.

I'm not sure that I actually am that motivated to increase the CL on the card past $32k. If I recall correctly, don't the old mortgage scores ignore credit cards above that level in some of the scoring? I'm not expecting to put enough spend through my cards for there to be a utilization issue if I should choose to let a balance report. I also assume I can "use" the $25k remaining against their limit for a Platinum at some point as a low interest rate card should I need to carry a balance for some reason.

Re: NFCU Flagship Rewards VISA Application

cashorcharge — Tue, 08 Sep 2026 18:19:20 GMT

@Have1 wrote:
@cashorcharge wrote:
Congratulations on your Approval!!👏🏼🍾🥂
You are almost to the top of NFCU's lending limit for Credit Cards
That limit is $80K
In a few months you can hit them up for a CLI and most ask for $8000 though don't be surprised if they give you only $5000
Also, if you'd like to make it easier, you can use the online chat and tell them you plan on making a balance transfer (that's a key term for them) and ask them to move your entire CL to the Flagship as that's the only card that can carry the highest limit...I don't believe the others will let you get that high. Even though you won't be doing a BT, that does usually have them agree to consolidate your CL to one card.
I'm not sure that I actually am that motivated to increase the CL on the card past $32k. If I recall correctly, don't the old mortgage scores ignore credit cards above that level in some of the scoring? I'm not expecting to put enough spend through my cards for there to be a utilization issue if I should choose to let a balance report. I also assume I can "use" the $25k remaining against their limit for a Platinum at some point as a low interest rate card should I need to carry a balance for some reason.

Makes sense

I don't recall the answer to your question on scores 3,4, and 5 though I am certain someone here does know the answer.

Re: NFCU Flagship Rewards VISA Application

portlandmusician — Thu, 10 Sep 2026 05:29:16 GMT

Congrats! Hopefully you're grandfathered in with this card for awhile...

Re: NFCU Flagship Rewards VISA Application

Have1 — Sat, 12 Sep 2026 15:39:59 GMT

Yesterday I got an email from NFCU telling me that the annual fee will be increasing to $95 effective September 30 2027. So I get the original $49 annual fee for my first year.

I, also, broke myself Tuesday and will be out on Worker's Comp for a couple months (hopefully no more) so I am pretty positive that the SUB will not be achieved unless something unexpected comes up that has to be paid. Though, if my roofer shows up and wants the first payment for the work... Maybe he will take the first $3500 on the card and the rest as a check? That could work...

Re: NFCU Flagship Rewards VISA Application

portlandmusician — Sun, 13 Sep 2026 17:59:19 GMT

@Have1 Good luck on the roofer. I hope he takes the first $3500 on the card so you can hit that sub. And, nice on getting it under the wire, before the "refresh," so you can have the OG Flagship and $49 annual fee for one year. Enjoy it.