NFCU Gorewards or Flagship?

Anonymous · ‎12-15-2016

Last July 2016 I applied for the NFCU cash reawrds card and was approved for $5k credit line. November 16 I requested a CLI and was approved for $22k. So now im wondering is it time to apply for a second card? If so which do you like better, Gorewards or the Flagship?

morgacj2004 · ‎12-15-2016

Go rewards curr has a $200 signup bonus while Flagship bonus has expired. Go Rewards would be my choice

AX Hilton Aspire 20k, AX Bonvoy Brilliant 15k, AX BCP 2k, AX Blue Bus Cash 15k, AX Delta Air Platinum 49k, (AU) AX Delta Gold 15k, AX Amazon Prime Bus 25k, BC Uber 29k, AKUSA FCU -10k , CITI AAdvantage Exec World Elite MC 16.5k, Discover (2) 16k, Kohls-4k, VS Comenity $3k, BofA AK Air Siggy 9.8k, WF Propel AX 5k, JCP $10k PFCU Plat Rewards Siggy 39.5k, PFCU Power Cash Rewards AX 10.5k, NFCU Flagship 50k, CLOC 15k, CITI Costco 9.5k, GAP VISA Synchrony $9k,Target MC 9k, Ulta MC Comenity 9k, Pay Pal 1k, CO Venture One 23k, US Bank Radisson Rewards Signature 10k, US Bank Fred Meyers World MC, 11k, US Bank Plat VISA 15.7k, VS Comenity 2k, 240k total available credit. Utiliz-2%, Current FICO EQ-724, EX 763,TU 802 ,Chapt 7 BK D/C 11-2012. Starting scores 520-550

Creditaddict · ‎12-17-2016

@morgacj2004 wrote:
Go rewards curr has a $200 signup bonus while Flagship bonus has expired. Go Rewards would be my choice

+1

Anonymous · ‎12-17-2016

@Creditaddict Not planning on app'ing now, but for the future (I already have a cash rewards card 25k CL) if I were going to get a second card from Navy and the only card offering bonus were the Cash Rewards card, would I be able to app for a second Cash Rewards card? or would I have to go for a different card (does Navy allow you to have two of the same card)?

Had the Cash Rewards card for 6 months now and will probably app with other lenders (Penfed/Discover) in January. I wouldn't look to go back to Navy until at least July, if not Jan 17.

Creditaddict · ‎12-17-2016

The bonus changes all the time.
I'm not sure about the same card but worse case you can product change current card anytime you want

Anonymous · ‎12-17-2016

GoRewards no doubt, you have to spend around 10k last I heard to make it a better card than your 1.5% cash rewards. Also depends on your spend if you dine out alot and no AF go rewards if you travel and spend that much on a card than flagship may be worth it.

Creditaddict · ‎12-17-2016

To me if you travel a lot a real travel card is far better than the flagship from navy.
Like a cap or car or Citi
Navy is a flat 2% and I found it hard to use the points

peghede · ‎12-17-2016

Quick question for the smart ones ,How many of you have 3 cards with nfcu ? if so how long between the cards app.

Alao whats the max exposure with them on cc?

again this is only for the smart ones.Thx

Creditaddict · ‎12-17-2016

I have 3 but I did it back when you were still able to move cl from current cards of denied

peghede · ‎12-17-2016

Thanks for quick response again m8, i guess you the only one with 3 cc..also max button can give you up to 25k not more correct?

Ill try again on my 2 cc with them for cli in jan 2nd after the jan 1st ar like u sugested few days ago.