ANDREWS FCU Credit Card

[Wavester64]

I have a Car loan with Andrews FCU and while I was on the site I was looking over their credit cards.

Was wondering if any of the forum members have a CC from Andrews FCU and if
so how do you like it?

Seems like they only have 3 CC offerings, unless I am reading it wrong.

EDIT (3/31) Would still like some more information from those who have a CC from Andrews if possible 

Like what are some DPs? If you are a member is it a SP or HP? (Odd too, when I am logged into my Andrew's account, I cannot see where to app for a CC, but when I am logged off, I do.)

[coldfusion]

I'm a member but haven't applied for any of their cards.  You're correct that they have 3 different personal cards, none of which are particularly noteworthy other than the Titanium Visa is available as a PIN-priority card and they all have no AF or FTF or cash advance fee.

[Anonymous]

If you decide to apply, good luck! 👍 

[Harvey26]

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@Wavester64 wrote:

I have a Car loan with Andrews FCU and while I was on the site I was looking over their credit cards.

Was wondering if any of the forum members have a CC from Andrews FCU and if
so how do you like it?

Seems like they only have 3 CC offerings, unless I am reading it wrong.

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Very conserative bank. They are super sensative to new accounts and inqs. If you do not fall in that category you might have a good shot. 

[AverageJoesCredit]

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@Harvey26 wrote:

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@Wavester64 wrote:

I have a Car loan with Andrews FCU and while I was on the site I was looking over their credit cards.

Was wondering if any of the forum members have a CC from Andrews FCU and if
so how do you like it?

Seems like they only have 3 CC offerings, unless I am reading it wrong.

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Very conserative bank. They are super sensative to new accounts and inqs. If you do not fall in that category you might have a good shot. 

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Lol super conservative  and my Fico fanatics  are forever in eternal struggle☺️

[AlpedHuez]

I have the Titanium rewards card, I use it for groceries only for the 3x. The min redemption is $25, I have no complaints about the card. Even Wal-Mart and Target code as grocery.

Also, it appears they revamped the sign up since I got the card last year, it was $75 SUB and $10k minimum SL. Now they upped the SUB to $100 and you only have to be approved for $5k SL to get it. Maybe they want more sign ups by increasing the SUB and lowering the minimum SL to be approved at.

[Wavester64]

Bump to top to hear from more Andrew's members 😀

[galahad15]

I was approved for the card last month with a SL of $5k and the lowest available APR.  Originally thought I'd be declined due to many inquiries thatt had previously resulted in other super-conservative CUs turning me down, even with FICO scores in the 790s / low-800s.  Very delighted wit the card so far and very pleased with the two 3% cashback categories of groceries and gas    Interestingly enough, as far as I can tell, the card also appears to be a NPSL card, since when I took a look at it as listed on the CreditKarma website, it listed it as a "Flexible Spending Credit Card", iirc.  

ETA:  corrected 2 "5%" categories reference "3%"...again sorry for the accidental mix-up and typo there on my part! 

[Anonymous]

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@Wavester64 wrote:

I have a Car loan with Andrews FCU and while I was on the site I was looking over their credit cards.

Was wondering if any of the forum members have a CC from Andrews FCU and if
so how do you like it?

Seems like they only have 3 CC offerings, unless I am reading it wrong.

EDIT (3/31) Would still like some more information from those who have a CC from Andrews if possible 

Like what are some DPs? If you are a member is it a SP or HP? (Odd too, when I am logged into my Andrew's account, I cannot see where to app for a CC, but when I am logged off, I do.)

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Since that other thread got locked, guess I'll reply here...

RE:  MyDataMyChoice EX SP - Pretty sure they were referring to their MEMBERSHIP and NOT for a CC.  

Stand by saying that there's pretty much no place (other than BB&T - apparently?) that's going to only SP you for a CC or any other product cold turkey, unless it's an offer that they provide you with (PF/DCU - for example does this) and/or it gets piggy backed off of another product that resulted from a HP (BECU does this and YMMV with PF).

Now CLIs on existing cards...that's a whole new ball game and a lot of places will offer those.

[Wavester64]

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@galahad15 wrote:

I was approved for the card last month with a SL of $5k and the lowest available APR.  Originally thought I'd be declined due to many inquiries thatt had previously resulted in other super-conservative CUs turning me down, even with FICO scores in the 790s / low-800s.  Very delighted wit the card so far and very pleased with the 2 5% cashback categories of groceries and gas    Interestingly enough, as far as I can tell, the card also appears to be a NPSL card, since when I took a look at it as listed on the CreditKarma website, it listed it as a "Flexible Spending Credit Card", iirc.  

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re: "5% cashback categories of groceries and gas"

I am not seeing any 5% cats in ther CC details - is that a targeted offer just for you?