topic Re: NFCU [Seemingly] May upgrade FLAGSHIP card...... in Credit Cards

NFCU [Seemingly] May upgrade FLAGSHIP card......

MachoHombre — Tue, 05 Dec 2023 02:12:56 GMT

Currently hold the NFCU Flagship card. Good card but I don't give it the love/swipes it deserves.

NFCU send me a very interesting and well-thought-out survey.

Much of the survey centered around questions if the Flagship was upgraded in rewards and perks. -And the AF increasing to $150/year.

Below is screenshot of what the potential new Flagship card might be:

I told them I'd like to be first in-line to sign up if this card becomes available.

This potential card would make a substantial impact on my yearly swipes. I'd say goodbye to my 2% cards and move that spend to this and I'd look real hard at moving travel spend as well.

The Amazon Prime credit makes this a no-brainer for *me*.

The car rental waiver would give me the excuse I need to throw out my CSP.

Time will tell if this new card actually comes to fruition, but don't even think of trying to cut the line in front of me if they give access to it :-)

Re: NFCU [Seemingly] May upgrade FLAGSHIP card......

Roadgeek395 — Tue, 05 Dec 2023 02:20:20 GMT

I participated in the same survey. Almost everything looks the same on mine except mine was showing a $95 annual fee.

Re: NFCU [Seemingly] May upgrade FLAGSHIP card......

KillingThemGingerly — Tue, 05 Dec 2023 06:18:24 GMT

@MachoHombre wrote:
Currently hold the NFCU Flagship card. Good card but I don't give it the love/swipes it deserves.
NFCU send me a very interesting and well-thought-out survey.

Much of the survey centered around questions if the Flagship was upgraded in rewards and perks. -And the AF increasing to $150/year.

Below is screenshot of what the potential new Flagship card might be:
I told them I'd like to be first in-line to sign up if this card becomes available.
This potential card would make a substantial impact on my yearly swipes. I'd say goodbye to my 2% cards and move that spend to this and I'd look real hard at moving travel spend as well.
The Amazon Prime credit makes this a no-brainer for *me*.
The car rental waiver would give me the excuse I need to throw out my CSP.

Time will tell if this new card actually comes to fruition, but don't even think of trying to cut the line in front of me if they give access to it :-)

Hmm. I currently have the NFCU Flagship Rewards card as well, but currently don't use it much because there are better 2% cards out there with no annual fee. I have not received this survey though.

I do not personally see this potential upgrade as much better (maybe even worse), with the $101 increase in annual fee from the current $49 annual fee. There are several cards with no annual fee where you can get 3x back on dining (SavorOne for example). Perhaps the 4x on travel is better than you can get on a no annual fee card but I don't travel enough for it to matter. I already get 3x travel (slightly worse return than the 4x) on the annual fee free Wells Fargo Autograph. The only reason I keep the card as it is, is for the Amazon Prime credit that offsets the annual fee and then some. Although I am currently having a hard time getting access to that credit since I already have Prime and Amazon no longer allows the ability to gift yourself a membership to use later.

Re: NFCU [Seemingly] May upgrade FLAGSHIP card......

MarkintheHV — Tue, 05 Dec 2023 11:06:46 GMT

I have read earlier threads with the $95 annual fee. This is the first time I have read about the $150 annual fee for the same benefits. My guess is that if they upgrade this card (which it sounds like a good possibility), they will settle on the $95 annual fee. That seems to be the standard these days.

Re: NFCU [Seemingly] May upgrade FLAGSHIP card......

sonic-boom — Wed, 06 Dec 2023 14:48:13 GMT

Really want this card but have been holding out hoping the signup bonus will go up or will get a targeted offer. It was 40K when I was first looking but unsure if the annual fee was waived like it is now. Any insight on getting it now or waiting?

Re: NFCU [Seemingly] May upgrade FLAGSHIP card......

CreditCuriosity — Wed, 06 Dec 2023 15:29:31 GMT

@sonic-boom wrote:
Really want this card but have been holding out hoping the signup bonus will go up or will get a targeted offer. It was 40K when I was first looking but unsure if the annual fee was waived like it is now. Any insight on getting it now or waiting?

Wait until the increased sub. Forgot if AF is waived for first year or not, but usually every quarter they do a new card with an elevated sub

Re: NFCU [Seemingly] May upgrade FLAGSHIP card......

Anonymous — Thu, 07 Dec 2023 12:20:41 GMT

I don't know about NFCU, but for other issuers (Amex and US Bank) I have filled out lots of such surveys, with none of the "example" changes seeing the light of day.

IOW, a long distance between survey and actual upgrade.

Re: NFCU [Seemingly] May upgrade FLAGSHIP card......

Lou-natic — Thu, 07 Dec 2023 14:12:13 GMT

@Anonymous wrote:
I don't know about NFCU, but for other issuers (Amex and US Bank) I have filled out lots of such surveys, with none of the "example" changes seeing the light of day.

IOW, a long distance between survey and actual upgrade.

I can tell you that there was a survey released for the NFCU cash rewards card and about 6 months or so later is when they did the whole 1.75% thing. It wasn't enough of an upgrade to sway me but the survey definitely had some impact.

Re: NFCU [Seemingly] May upgrade FLAGSHIP card......

summerterrace — Fri, 08 Dec 2023 02:18:16 GMT

Right now the prime membership isn't a yearly benefit. I got it the first 2 years but didn't for the 3rd. The $150 annual fee would basically cover the cost of Amazon prime.

Re: NFCU [Seemingly] May upgrade FLAGSHIP card......

Citylights18 — Fri, 08 Dec 2023 02:32:13 GMT

You can't move the NFCU points to travel partners.

Citi Custom Cash gives you 5x in any category you want. No annual fee.

Chase Sapphire Preferred is 3x dining but then 10% points back so effective 3.1. Then 1.25 redemption so 3.875.

I woud consider downgrading if I had to absorb a $150 annual fee on this.

Re: NFCU [Seemingly] May upgrade FLAGSHIP card......

ZackAttack — Fri, 08 Dec 2023 04:08:03 GMT

I been debating about to change a card to flagship once I get my own place. Out of all the benefits/rewards ... I just don't see how the card would be better if the AF increase to $150. If the AF is $95 ... maybe if the rewards/benefits were better appealing.

In my case, I think they would should step up the card in another direction, such as:

1) 2X on everything (Direct Deposit increases it to something like 3X)

2) 2.5X/3X on everything then readjusting the other stuff -> like travel to 4X. not that I use travel

... dining is everywhere with 3X (3% CB) -> so they may want that increase to be more appealing

Re: NFCU [Seemingly] May upgrade FLAGSHIP card......

kerplunk — Fri, 08 Dec 2023 05:41:10 GMT

Flagship Rewards is the only credit card I use anymore. It's all-around great. The only change I wish they'd make is offering an optional metal version.

Re: NFCU [Seemingly] May upgrade FLAGSHIP card......

sonic-boom — Fri, 08 Dec 2023 13:21:13 GMT

Are the point redemptions pretty good?

Re: NFCU [Seemingly] May upgrade FLAGSHIP card......

CreditCuriosity — Fri, 08 Dec 2023 13:53:10 GMT

@sonic-boom wrote:
Are the point redemptions pretty good?

think 1cpp

Re: NFCU [Seemingly] May upgrade FLAGSHIP card......

MachoHombre — Sat, 09 Dec 2023 15:41:36 GMT

@Citylights18 wrote:
You can't move the NFCU points to travel partners.

Citi Custom Cash gives you 5x in any category you want. No annual fee.

Chase Sapphire Preferred is 3x dining but then 10% points back so effective 3.1. Then 1.25 redemption so 3.875.

I woud consider downgrading if I had to absorb a $150 annual fee on this.

*Correct on travel partners. It's more of a cash back scenerio

*Citi Custom Cash is capped at 500month for max of $25 month return. anything over 500month only yields 1%. I agree a great card, but to get 5% you need to pay attention. I personally only use the card for gas not bought at Costco, for *me* that amount rarely goes above the cap, if I get near the cap I switch gas to another card.

*The Chase reward ecosystem works great for some. For *me* being trapped in having to book through their portal doesn't yield the better pricing that I can find elsewhere and reduces the value. YMMV

*While I'm a fan of the the Flagship, if the AF went to $150 I would have a hard time justifying *UNLESS* Amazon Prime is included, if it is included then the card is a no-brainer IMO.

Re: NFCU [Seemingly] May upgrade FLAGSHIP card......

800wannabe420 — Sat, 09 Dec 2023 16:11:33 GMT

@summerterrace wrote:
Right now the prime membership isn't a yearly benefit. I got it the first 2 years but didn't for the 3rd. The $150 annual fee would basically cover the cost of Amazon prime.

@summerterrace

I recently received my 3rd Amazon Prime credit (posted 12/4/2023).

Whether or not I receive a 4th remains to be seen, but fingers crossed 🤞

Maybe you might try calling?

Re: NFCU [Seemingly] May upgrade FLAGSHIP card......

KillingThemGingerly — Sun, 10 Dec 2023 03:41:08 GMT

@summerterrace wrote:
Right now the prime membership isn't a yearly benefit. I got it the first 2 years but didn't for the 3rd. The $150 annual fee would basically cover the cost of Amazon prime.

I believe you're mistaken, and that the free Prime benefit is still in effect. I have had the card for over a year and already received one Amazon Prime credit and confirmed with NFCU I am eligible for another if I pay for annual membership again with the Flagship Rewards by 1/1/2025. Admittedly NFCU is weirly opaque about the annual Prime perk, not making it clear if it's a welcome bonus only or annual benefit. There is a whole thread on here about that. Why they're so opaque about it, I am unsure.

Frankly the Prime benefit is the only reason I keep the card with the AF. It's my only card that has an AF.

Re: NFCU [Seemingly] May upgrade FLAGSHIP card......

ShadowFox — Sun, 31 Dec 2023 23:03:27 GMT

Hmm if we are going to throw some ideas around....

Instead of dining have 3% back on streaming along with direct deposit allowing Ability to pool points w/ the other NFCU credit cards. This would eliminate the overlap of cards. Id say include a 5% with amazon w/ $6,000-10,000 yearly cap to encourage spend to stay on the flagship card. Granted I understand the perks of having travel and dining on the same card.

Spend x,000 per year (between any points cards) and get a % point bonus(10-15%?)? effective 2.25% everywhere, 3.33% streaming, 4.5% travel.

Re: NFCU [Seemingly] May upgrade FLAGSHIP card......

ShreksBFF — Sun, 31 Dec 2023 23:07:48 GMT

If they do 4x travel, 3x dining, and 2x everything else this would probably become the only card I'd ever use tbh

Re: NFCU [Seemingly] May upgrade FLAGSHIP card......

Wavester64 — Tue, 02 Jan 2024 16:22:28 GMT

@KillingThemGingerly wrote:

I do not personally see this potential upgrade as much better (maybe even worse), with the $101 increase in annual fee from the current $49 annual fee. There are several cards with no annual fee where you can get 3x back on dining (SavorOne for example). Perhaps the 4x on travel is better than you can get on a no annual fee card but I don't travel enough for it to matter. I already get 3x travel (slightly worse return than the 4x) on the annual fee free Wells Fargo Autograph. The only reason I keep the card as it is, is for the Amazon Prime credit that offsets the annual fee and then some. Although I am currently having a hard time getting access to that credit since I already have Prime and Amazon no longer allows the ability to gift yourself a membership to use later.

I agree with you 100%. If they move to $150 annual fee, I'll probably be dropping this card. Too bad too, its one of my highest SLs.