topic Re: Citi DC vs NFCU Flagship Card in Credit Cards

Citi DC vs NFCU Flagship Card

Harvey26 — Wed, 17 Jun 2020 19:09:40 GMT

I have both cards and would like to get rid of one. Thoughts? I don't pay interest I pay in full each month. Just want to use one card as my daily driver. Which card would you keep?

Citi DC is 10K @ 14.24

NFCU is 20K @ 15.49

Re: Citi DC vs NFCU Flagship Card

Girlzilla88 — Wed, 17 Jun 2020 19:13:12 GMT

Me I would keep the NF I wouldn't lose a 10k higher just to keep 1% lower ^^

Re: Citi DC vs NFCU Flagship Card

wasCB14 — Wed, 17 Jun 2020 19:19:59 GMT

My DC has been locked since the fall and I only use Costco for certain Costco purchases (a reputable merchant with a smooth returns policy).

If I had a problem with a card, I would rather deal with NFCU than Citi. I've disputed a charge with Citi (a merchant giving me the runaround about a refund) and while I won, the process was a serious PITA.

Re: Citi DC vs NFCU Flagship Card

randomguy1 — Wed, 17 Jun 2020 19:30:36 GMT

Do you value TSA pre, 3x travel, and probably a lower APR?

Do you value its ancillary benefits such as extended warranty, lost baggage reimbursement, secondary auto rental collision damage coverage and travel accident insurance @ an annual $49 fee?

If yes to the above, the Flagship wins. If you are just looking for a 2% card, you probably don't need to pay a $49 AF if you have these benefits on another card.

Re: Citi DC vs NFCU Flagship Card

K-in-Boston — Wed, 17 Jun 2020 19:37:27 GMT

If you spend more than $4900 a year on expenses that code as travel, Flagship wins. If there is a monetary value to perks offered by either card that will need to be factored in.

Re: Citi DC vs NFCU Flagship Card

kilroy8 — Wed, 17 Jun 2020 19:43:33 GMT

While not offered right now, the 50K point SUB will return and tilt this towards NFCU.

Re: Citi DC vs NFCU Flagship Card

K-in-Boston — Wed, 17 Jun 2020 19:46:09 GMT

@kilroy8 wrote:
While not offered right now, the 50K point SUB will return and tilt this towards NFCU.

If there is no travel spend, this is only true until the 11th year after which Double Cash is a better option. 🤪

(Since OP already has both cards, SUB is kind of moot though.)

Re: Citi DC vs NFCU Flagship Card

Harvey26 — Wed, 17 Jun 2020 19:47:17 GMT

@K-in-Boston wrote:
If you spend more than $4900 a year on expenses that code as travel, Flagship wins. If there is a monetary value to perks offered by either card that will need to be factored in.

Yes I spend about double to triple that.

Re: Citi DC vs NFCU Flagship Card

Gmood1 — Wed, 17 Jun 2020 19:47:43 GMT

I'll be dropping the Flagship later this year. And rolling the limit into my oldest Navy CC. Visa's are a dime a dozen. MasterCards aren't as easy to come by.

Re: Citi DC vs NFCU Flagship Card

K-in-Boston — Wed, 17 Jun 2020 19:53:59 GMT

@Harvey26 wrote:
@K-in-Boston wrote:
If you spend more than $4900 a year on expenses that code as travel, Flagship wins. If there is a monetary value to perks offered by either card that will need to be factored in.
Yes I spend about double to triple that.

In which case you are getting $50-100 more value annually from Flagship after the AF is deducted, without monetary value for any other perks. Replacing Flagship with Citi Premier or Prestige and converting DC's cash back to TYPs could make the DC a better option. But if we are just comparing cash back, for you Flagship likely wins in a landslide.

Edit: as for APR, both issuers will lower them but NFCU has a lower floor than Citi except for very rare old cards that are grandfathered at a lower rate.

Re: Citi DC vs NFCU Flagship Card

Anonymous — Wed, 17 Jun 2020 20:24:11 GMT

Another thought to throw in the mix....PC NFCU to their Platinum card and keep Citi and NFCU open. This way you still keep a good rewards card with Citi for daily spend and keep the 20k with NFCU credit line for padding, possibly reducing their APR to 5.99 (currently) for any unexpected larger spend or emergency while losing the annual fee?

ETA: I’m a rookie at all this though and don’t have 1/2 the understanding of the more experienced here so please don’t give my suggestions too much weight....I may need to stay in the shallow end a little longer. 😁

Re: Citi DC vs NFCU Flagship Card

kilroy8 — Wed, 17 Jun 2020 20:21:33 GMT

@K-in-Boston wrote:
@kilroy8 wrote:
While not offered right now, the 50K point SUB will return and tilt this towards NFCU.
If there is no travel spend, this is only true until the 11th year after which Double Cash is a better option. 🤪

(Since OP already has both cards, SUB is kind of moot though.)

I know, my comment was for the inevitable googlers that will be using this info in the future. We are all famous knowledgeable MF'ers, you know?

Re: Citi DC vs NFCU Flagship Card

Harvey26 — Wed, 17 Jun 2020 22:51:13 GMT

@K-in-Boston wrote:
@Harvey26 wrote:
@K-in-Boston wrote:
If you spend more than $4900 a year on expenses that code as travel, Flagship wins. If there is a monetary value to perks offered by either card that will need to be factored in.
Yes I spend about double to triple that.
In which case you are getting $50-100 more value annually from Flagship after the AF is deducted, without monetary value for any other perks. Replacing Flagship with Citi Premier or Prestige and converting DC's cash back to TYPs could make the DC a better option. But if we are just comparing cash back, for you Flagship likely wins in a landslide.

Edit: as for APR, both issuers will lower them but NFCU has a lower floor than Citi except for very rare old cards that are grandfathered at a lower rate.

Thanks everyone for the input! I have decided to keep my flagship and make it my daily driver. I do my primarily banking with NFCU. Just makes the most sense I will more then compensate for $49 annual fee

Re: Citi DC vs NFCU Flagship Card

K-in-Boston — Wed, 17 Jun 2020 22:56:20 GMT

Glad we could help! There may be 100 ways to earn more in rewards, but there's also value in simplicity when it comes to the internal flowchart of which card to use where and why - and since you'll likely be well above 2% on average you're doing quite well.

Re: Citi DC vs NFCU Flagship Card

M_Smart007 — Wed, 17 Jun 2020 23:41:04 GMT

While I have (2) Citi DC cards ...Penfed 2% and AOD 3% (giggles)

I personally prefer The Flagship.

Rates/fees/rewards & Features/benifits .. Also find the customer service outstanding!!!

https://www.navyfederal.org/loans-cards/credit-cards/flagship-visa-signature/

Just my $0.02 cents ...from the very shallow end of the kiddie pool

Re: Citi DC vs NFCU Flagship Card

Credit4Growth — Thu, 18 Jun 2020 03:08:44 GMT

My question for you to as you self and share with us, concerning credit profile and after reading the quoted post, would be, "Why get rid of the Flagship?".

Also, did you receive a sign-up bonus for it which would essentially make it pay for itself for a few years?

Re: Citi DC vs NFCU Flagship Card

Credit4Growth — Thu, 18 Jun 2020 03:13:25 GMT

@Credit4Growth wrote:
My question for you to as you self and share with us, concerning credit profile and after reading the quoted post, would be, "Why get rid of the Flagship?".

Also, did you receive a sign-up bonus for it which would essentially make it pay for itself for a few years?

@Anonymous

I just read your OP. Maybe it is not the Flagship but there are other great suggestions & info in this post.

P.s. I have a 2% PSECU card and a Navy Flagship, however each have distinct benefits *to me* which is why I will be keeping both.

Re: Citi DC vs NFCU Flagship Card

Anonymous — Thu, 18 Jun 2020 03:21:57 GMT

@M_Smart007 wrote:
While I have (2) Citi DC cards ...Penfed 2% and AOD 3% (giggles)

I personally prefer The Flagship.

Rates/fees/rewards & Features/benifits .. Also find the customer service outstanding!!!

https://www.navyfederal.org/loans-cards/credit-cards/flagship-visa-signature/

Just my $0.02 cents ...from the very shallow end of the kiddie pool

”shallow end of the kiddie pool” 😂😂😂😂😂

Re: Citi DC vs NFCU Flagship Card

Harvey26 — Thu, 25 Jun 2020 02:27:32 GMT

@Girlzilla88 wrote:
Me I would keep the NF I wouldn't lose a 10k higher just to keep 1% lower ^^

So I went to pay my mortgage and car note with my credit card as usual and plastiq does not allow visa credit cards to process those payments.... WELP guess the flagship will go

Re: Citi DC vs NFCU Flagship Card

UpperNwGuy — Thu, 25 Jun 2020 03:17:30 GMT

Before you base your decision on your ability to use Plastiq, be aware that Plastiq just increased its credit card fee from 2.5% to 2.85%. You can read about this in Doctor of Credit. Plastiq will be notifying its users this week.