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It's definitely personalized @AndrewF
CK even did this with the Robin Hood gold card. I was on the list "to be invited", but I actually received my invite from credit Karma which resulted in the 10K approval which is pretty good considering all my new accounts.
aside from the fact that the lowest bottom feeding creditors are the biggest advertisers on credit Karma, I think that because credit karma has verified your identity. It's less of a credit risk for you to be approved for a credit acct through applying from credit Karma, if that makes sense?
@FicoMike0 wrote:Btw, navy flagship pays 2 points on everything, another 2% catchall even if you don't use it for travel much. $49 af, but pays for annual prime. Also pays for global entry, get p2 an au card, pays for hers to.
Wow TIL.
would you mind answering a few question? Does AU have AF? I'm eyeing NavyFed.
Does Flagship give cash back or only statement credit is it 1:1? Is there minimum redemption for CB or statement credit?
is there anything cool to exchange points for? Or is everything 1:1 or less?


















