Benefits of PFCU and NFCU Cards?

[Anonymous]

The Pentagon credit union and Navy Federal CU cards are 3-2-1 or lower.

Is the appeal from the big opening CL and 3x cli? Generous LOC? Util % drops?

I dont see a big advantage to these.

What benefits am i missing?

[EAJuggalo]

My NFCU card is 1.5% CB, same as my quicksilver, same as my CFU.  And much less hassle than my Citi DC.  A big SL and lower interest rate than other rewards cards helps too.

[AverageJoesCredit]

For me Navy has more to do with their generosity with their credit limits more so than PenFed. The reward bluffs may scoff at their rewards for certain reasons, sure a 1.5% cb isnt a 2%, lol, but I just like the overall experience with Navy . Great customer service, growth potential for all classes of income earning individuals, and of course great bt offers. Though rewards may no stack up to other credit cards, I'd much rather have s Nsvy card in my wallet. Just an average opinion of course

[Gmood1]

For me, it's more about establishing payment history for future loans if I need one. I like Navy's frequently offered no fee, 0% rate BT offers as well. 😁
I like Penfed's SP REAL no hassle pre-approvals offered to premium members. Whether I use them or not. It's nice to have them available just in case I need it. As the saying goes "Better to have and not need, than need and not have".

[AverageJoesCredit]

Lol, G said "PREMIUM MEMBERS" with Penfed. THAT is a huge difference in between PF and Navy imo.

[Gmood1]

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@AverageJoesCredit wrote:
Lol, G said "PREMIUM MEMBERS" with Penfed. THAT is a huge difference in between PF and Navy imo.  

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Yeah, I did tell them I knew you. 😉

There are perks in hanging out with the AVJ!😁

I'm not sure when they consider members premium? That didn't happen till nearly 3 years in and of course I mentioned you the last time I dealt with them. 

Between you and UnkaB, you fellows have opened some doors for me.🤣

[UncleB]

We all have different needs, but for me the draw to NFCU was for their low-APR Platinum card (in my case, MasterCard).

I have taken advantage of BT promotions a couple of times now (the one I currently have was no-fee, and is 0% for a year) and should I need to carry a balance the 7.24% APR is hard to beat.

Even when there's no BT promo there's never a fee to transfer a balance to NFCU, and I like having that option.

[UncleB]

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@Gmood1 wrote:

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@AverageJoesCredit wrote:
Lol, G said "PREMIUM MEMBERS" with Penfed. THAT is a huge difference in between PF and Navy imo.  

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Yeah, I did tell them I knew you. 😉

There are perks in hanging out with the AVJ!😁

I'm not sure when they consider members premium? That didn't happen till nearly 3 years in and of course I mentioned you the last time I dealt with them. 

Between you and UnkaB, you fellows have opened some doors for me.🤣

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[Anonymous]

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@Gmood1 wrote:

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@AverageJoesCredit wrote:
Lol, G said "PREMIUM MEMBERS" with Penfed. THAT is a huge difference in between PF and Navy imo.  

---

Yeah, I did tell them I knew you. 😉

There are perks in hanging out with the AVJ!😁

I'm not sure when they consider members premium? That didn't happen till nearly 3 years in and of course I mentioned you the last time I dealt with them. 

Between you and UnkaB, you fellows have opened some doors for me.🤣

Lucky your not in jail when looking at the company you keep

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[Anonymous]

Ok, so they offer low apr, very low bt apr, and easy cli that are large, regardless of income with 1.5% cb.

Thanks to everyone for the replies!