Back in April, I applied for Navy's Flagship and was denied due to not qualifying for the necessary minimum $5k limit; that was their reasoning as outlined in their response to my request for reconsideration. (This makes no sense because I have 800+ credit scores across the board, 6-figure income, very low utilization).
Fast forward to just a few minutes ago, I was looking online and checked pre-qualification link they provide for current members; voila, I'm pre-qualified for every card they offer, including the Flagship.
I decide to try my luck and applied for the cashREWARDS and was approved for $25k and their lowest APR on card of 9.65%.
Needless to say, Navy is confusing.
@revjamesl wrote:Back in April, I applied for Navy's Flagship and was denied due to not qualifying for the necessary minimum $5k limit; that was their reasoning as outlined in their response to my request for reconsideration. (This makes no sense because I have 800+ credit scores across the board, 6-figure income, very low utilization).
Fast forward to just a few minutes ago, I was looking online and checked pre-qualification link they provide for current members; voila, I'm pre-qualified for every card they offer, including the Flagship.
I decide to try my luck and applied for the cashREWARDS and was approved for $25k and their lowest APR on card of 9.65%.
Needless to say, Navy is confusing.
Call and do and PC to flagship!
@revjamesl Super Congrats on your Navy Fed Cash Rewards $25,000 approval!!! 
You certainly went from one extreme to the other. From not qualifying at all
for a minimum 5k limit on the Flagship to getting 25k @9.65% for the CR is
strange indeed. And if you'd like to make things even stranger, then I would take
@Harvey26 's advice: Request a product change to the Flagship. That's the card you
originally wanted anyway. I'd love to be a fly on the wall during that conversation.
Congrats again on your Navy Fed approval. Thanks so much for sharing!!!