NFCU More & Alphaeon Credit Approval

[Anonymalous]

If you started at 490, that's serious progress! Don't forget to apply for a CLI after 90 days/3 full statements with your Navy Fed card. Though I'm curious why you want the Savor One, because both it and the More Rewards are 3% back in 2 out of 3 of the same major categories.

[pip3man]

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@Anonymalous wrote:

If you started at 490, that's serious progress! Don't forget to apply for a CLI after 90 days/3 full statements with your Navy Fed card. Though I'm curious why you want the Savor One, because both it and the More Rewards are 3% back in 2 out of 3 of the same major categories.

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Appreciate the tip. I'm gonna have to read up more on that although I'm inclined to think with a $1k approval, I barely made the cut but we'll see when that comes. As far as the Savor1, it appears it has a cash rewards system whereas the NFCU More is points based if I'm not mistaken. I used to have the 4% grandfathered Savor and it was one of my favorite cards.

[coreyb80]

Congrats on the approvals!

[UH_HUH]

Well I would call that a big win @pip3man :-)

Congratulations on your approvals.

Enjoyed reading about them

Enjoy your success,

Cheers

[cashorcharge]

That's terrific!!  Congratulations on both your Approvals!! 🎉🥂👏

[Anonymalous]

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@pip3man wrote:

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As far as the Savor1, it appears it has a cash rewards system whereas the NFCU More is points based if I'm not mistaken. I used to have the 4% grandfathered Savor and it was one of my favorite cards.

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It's true the MR technically gives points, but there are no transfer partners to get higher valuations, and the points are transferrable into cash at a 1 point : 1 cent ratio, so it's effectively a cash back card.

[pip3man]

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@Anonymalous wrote:

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@pip3man wrote:

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As far as the Savor1, it appears it has a cash rewards system whereas the NFCU More is points based if I'm not mistaken. I used to have the 4% grandfathered Savor and it was one of my favorite cards.

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It's true the MR technically gives points, but there are no transfer partners to get higher valuations, and the points are transferrable into cash at a 1 point : 1 cent ratio, so it's effectively a cash back card.

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Do you know if the More Rewards has a minimum point redemption like the nRewards which is like 5000 points? 

[Anonymalous]

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@pip3man wrote:

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@Anonymalous wrote:

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@pip3man wrote:

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As far as the Savor1, it appears it has a cash rewards system whereas the NFCU More is points based if I'm not mistaken. I used to have the 4% grandfathered Savor and it was one of my favorite cards.

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It's true the MR technically gives points, but there are no transfer partners to get higher valuations, and the points are transferrable into cash at a 1 point : 1 cent ratio, so it's effectively a cash back card.

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Do you know if the More Rewards has a minimum point redemption like the nRewards which is like 5000 points? 

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Same with the More Rewards. Redemption minimums is one area where where Capital One definitely wins over Navy Fed.

[Total80sKid]

Congrats on the two approvals 👍🏼