topic Re: WHICH NFCU CREDIT CARD TO GET? in Credit Cards

WHICH NFCU CREDIT CARD TO GET?

MountainHiker — Fri, 21 Dec 2012 02:30:25 GMT

I'm on the NFCU site checking out the various cards on offer.My question is, which one to go after? I want a card with a low interest rate and rewards such as rental car insurance coverage,cash back rewards.Which one do you recommend? My credit scores are about 694 EQ but I do have one 2 year old collection on my file that falls off in march.

Re: WHICH NFCU CREDIT CARD TO GET?

MountainHiker — Fri, 21 Dec 2012 03:19:55 GMT

Do any of you have the NFCU Master Card goWards Card? The Annual fee looks really good only $18.And the card has every feature for car rental insurance. Any opinions?

Re: WHICH NFCU CREDIT CARD TO GET?

CreditScoreBlueprint — Fri, 21 Dec 2012 03:26:33 GMT

I took NFCU's platinum card since they offer the lowest rates I've personally ever seen on a credit card. Then I got myself an AMEX Blue Cash card for the benefits and rewards.

Re: WHICH NFCU CREDIT CARD TO GET?

MountainHiker — Fri, 21 Dec 2012 03:43:14 GMT

@CreditScoreBlueprint wrote:
I took NFCU's platinum card since they offer the lowest rates I've personally ever seen on a credit card. Then I got myself an AMEX Blue Cash card for the benefits and rewards.

Very nice decision.Does NFCU offer a card with a chip in the card?

Re: WHICH NFCU CREDIT CARD TO GET?

MountainHiker — Fri, 21 Dec 2012 04:03:23 GMT

@CreditScoreBlueprint wrote:
I took NFCU's platinum card since they offer the lowest rates I've personally ever seen on a credit card. Then I got myself an AMEX Blue Cash card for the benefits and rewards.

Can I ask what your credit was when you applied for the Platinum?

Re: WHICH NFCU CREDIT CARD TO GET?

webhopper — Fri, 21 Dec 2012 14:38:03 GMT

@MountainHiker wrote:
I'm on the NFCU site checking out the various cards on offer.My question is, which one to go after? I want a card with a low interest rate and rewards such as rental car insurance coverage,cash back rewards.Which one do you recommend? My credit scores are about 694 EQ but I do have one 2 year old collection on my file that falls off in march.

I think you should go for the Cash Rewards Visa. If you are approved for an amount greater than 5k you will get the signature version of the card. If not you can wait 6 months or so and ask for a CLI and a card upgrade to the signature card.

The cashback is easy to redeem and you can start redeeming when your cash back balance reaches $20 or more.

The interest rate can be very competitive. Mine was lowered to 12.65% in September of this year.

You start earning 1.5% cash after 10k in spend, prior to that, you earn a 1% cash back on everything.

Disputing a charge is easy with NFCU. I had a Canadian vendor try to double charge me back in June, NFCU took care of it with just one secure message sent from me from the secure message center.

The Signature card design is also very cool with a metallic looking green glove against a dark green matte finish background. A huge improvement over the regular Visa card design.

Overall, the Cash Rewards card gets 3 thumbs up in my book!

Re: WHICH NFCU CREDIT CARD TO GET?

martinkk — Fri, 21 Dec 2012 15:31:46 GMT

+1 Webhopper

Re: WHICH NFCU CREDIT CARD TO GET?

jmcmillan — Fri, 21 Dec 2012 15:43:25 GMT

I would like to know, as well. I never hear people talk about it, but the rewards seem really good. And the card design is nice, too

Re: WHICH NFCU CREDIT CARD TO GET?

MountainHiker — Fri, 21 Dec 2012 19:03:54 GMT

@webhopper wrote:
@MountainHiker wrote:
I'm on the NFCU site checking out the various cards on offer.My question is, which one to go after? I want a card with a low interest rate and rewards such as rental car insurance coverage,cash back rewards.Which one do you recommend? My credit scores are about 694 EQ but I do have one 2 year old collection on my file that falls off in march.
I think you should go for the Cash Rewards Visa. If you are approved for an amount greater than 5k you will get the signature version of the card. If not you can wait 6 months or so and ask for a CLI and a card upgrade to the signature card.
The cashback is easy to redeem and you can start redeeming when your cash back balance reaches $20 or more.
The interest rate can be very competitive. Mine was lowered to 12.65% in September of this year.

You start earning 1.5% cash after 10k in spend, prior to that, you earn a 1% cash back on everything.

Disputing a charge is easy with NFCU. I had a Canadian vendor try to double charge me back in June, NFCU took care of it with just one secure message sent from me from the secure message center.

The Signature card design is also very cool with a metallic looking green glove against a dark green matte finish background. A huge improvement over the regular Visa card design.

Overall, the Cash Rewards card gets 3 thumbs up in my book!

Great info there. The cashrewards card does offer quite a few benefits.I really like not having to pay for auto insurance when renting cars. And cash back is allways a nice preference. What do you know about the goRewards cards?

I wish that collection was allready off so I could work with a clean report. But it is what it is. I imagine my credit offer will be reduced by $3K-$5K because of this collection.Someone told me that I should put a message on my credit report explaining that derog to minimize it's effect. Man I had no idea there were so many NFCU locations.They are every where.

Re: WHICH NFCU CREDIT CARD TO GET?

jmcmillan — Sat, 22 Dec 2012 06:33:38 GMT

I looked at the GoRewards brosure and t looks like the GoRewards is between 1 and 1.7% in rewards.

The Cash Rewards is between 1 and 1.5%.

Do we know if the 1.5% is retroactive afeter $10,000 of spending, or only to the spending after $10,000?

Re: WHICH NFCU CREDIT CARD TO GET?

bichonmom — Sat, 22 Dec 2012 08:56:41 GMT

@webhopper wrote:
@MountainHiker wrote:
I'm on the NFCU site checking out the various cards on offer.My question is, which one to go after? I want a card with a low interest rate and rewards such as rental car insurance coverage,cash back rewards.Which one do you recommend? My credit scores are about 694 EQ but I do have one 2 year old collection on my file that falls off in march.
I think you should go for the Cash Rewards Visa. If you are approved for an amount greater than 5k you will get the signature version of the card. If not you can wait 6 months or so and ask for a CLI and a card upgrade to the signature card.
The cashback is easy to redeem and you can start redeeming when your cash back balance reaches $20 or more.
The interest rate can be very competitive. Mine was lowered to 12.65% in September of this year.

You start earning 1.5% cash after 10k in spend, prior to that, you earn a 1% cash back on everything.

Disputing a charge is easy with NFCU. I had a Canadian vendor try to double charge me back in June, NFCU took care of it with just one secure message sent from me from the secure message center.

The Signature card design is also very cool with a metallic looking green glove against a dark green matte finish background. A huge improvement over the regular Visa card design.

Overall, the Cash Rewards card gets 3 thumbs up in my book!

+1 I agree that their cash rewards is the best card with them. It is my everyday card. And after $10k in purchase in a yr, your rewards go up to 1.5%.

Webhopper, how did you get your % reduced? They told me that I'd need to app and get a HP to do the. But then they tell me that for everything.