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Best First Navy Fed Card

coldfusion
Community Leader
Super Contributor

Re: Best First Navy Fed Card


@Barreda88 wrote:

@fatcomic 


Thank you! I think the cash rewards will do fine. I have the Discover cash back for rewards. 

Of course they'd pull the one bureau with the most inquires lol. I'm at 5 for TU


I wouldn't get too hung up on having 5 inquiries reporting - unless they were all from something like credit card applications made over the last couple of months. 

 

The CR is a straightfoward 1.5% cashback card - not a bad one to start out with and to hold onto for unstructured spend.    

 

 

 



(2/2021)
FICO 8 (EX) 812 (TU) 816 (EQ) 804
FICO 9 (EX) 825 (TU) 827 (EQ) 826

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 11 of 21
pizza1
Community Leader
Super Contributor

Re: Best First Navy Fed Card

Best first card??? ANY card from Navy! Smiley Happy In seriousness...the cash rewards is a decent card. The Flagship is good if you travel.

My rebuild worked for me, but won't necessarily work for you!
BK7 D/C- 08/2013
Message 12 of 21
SteelerNYC
Valued Contributor

Re: Best First Navy Fed Card

I had the cash rewards first and found great value in it until I landed another card that was 2% CB on everything. Then I converted it to a More Rewards Amex for 3x points: Supermarkets, Gas Stations, Transit, Restaurants (the bulk of all my spending) & 1point on everything else. I'm blacklisted w/ Amex and this also lets me have an Amex for concert and event presales. 

 

I also have a 5.99% platinum with them which is where any balance I need to carry goes. But only after I've earned cash back on that purchase from another lender and then balance transferred it over. LOL. 

Ch 7 Discharge May 2015
Discover/Target/NFCU CLOC/NFCU More Rewards Amex/NFCU Platinum/PenFed Power Cash Rewards/PenFed Pathfinder Visa/Citi Costco Visa/CapitalOne SavorOne/Apple Card - $139,100 total revolving, 21% utilization
3.25% mortgage July 2020, $20k used Auto Loan October 2020, $20k PenFed Personal Loan Dec 2020
687/683/673 EX/EQ/TU w/ 5/6/6 INQs as of Jan 2021
Spending 2021 in the Garden
Message 13 of 21
Mr_Mojo_Risin
Valued Contributor

Re: Best First Navy Fed Card


@AverageJoesCredit wrote:

@Barreda88 wrote:

@Girlzilla88 wrote:

@Barreda88     I love my CR card, (Flagship will be a lot harder to get as a first card if it was one you were considering) and honestly I wouldn't trust the Prequal if you did it online?!?!      Should be the same pull from CB for the different cards, I haven't seen a DP suggesting otherwise Smiley Happy


Yes I did the pre-qual online. Is it not that accurate? I also went to the my offers tab and the cash rewards card came up there. 


Prequals are more cosmetic. Their great if you get approved, the devil if rejected 😡 Good omen its in your offers tab. All i get is the equivalent of Penfeds Turbotax offersSmiley Wink


The only stuff I've seen in my offers tab is planning for retirement stuff and  direct deposit, I already have DD with them. Lol   I didn't think that Navy really offered credit products in the offers tab. Never heard of anyone mention it. Lol 

NFCU More Rewards 24K CL
NFCU Cash Rewards 4000 CL
Discover IT 1,000 CL
Quicksilver 600 CL (formerly Platinum)
NFCU auto loan
*We survived it, now comes the progress*
Previously Bowiefan
Message 14 of 21
blindambition
Community Leader
Senior Contributor

Re: Best First Navy Fed Card

It depends on use, but CR and More are good 1st choices. Flagship is one I wouldn't app 1st, because of higher UW requirements.

Platinum is a valuable card, one I'd also not app 1st. First cards can start with low limit, and value of Platinum is for BT purposes and low APR. Can't really BT on a $500 approval. JMHO!!

Message 15 of 21
Barreda88
Valued Member

Re: Best First Navy Fed Card

@Mr_Mojo_Risin 

 

Not sure tbh. Just opened the account with them. Went to the offers tab and it the cash back card there and had a tab that said "learn more". Not sure if it was an offer or an invitation tbh. 

Message 16 of 21
Mr_Mojo_Risin
Valued Contributor

Re: Best First Navy Fed Card


@Barreda88 wrote:

@Mr_Mojo_Risin 

 

Not sure tbh. Just opened the account with them. Went to the offers tab and it the cash back card there and had a tab that said "learn more". Not sure if it was an offer or an invitation tbh. 


I received an email from them about the Cash Rewards a month or so after joining. It was more of an invitation to apply, not a pre-approval. Never anything in offers tab though.

 

I've found that the More Rewards is a great card. I use it almost daily. If the categories for it fit your spend, I would definitely recommend it. 

NFCU More Rewards 24K CL
NFCU Cash Rewards 4000 CL
Discover IT 1,000 CL
Quicksilver 600 CL (formerly Platinum)
NFCU auto loan
*We survived it, now comes the progress*
Previously Bowiefan
Message 17 of 21
Barreda88
Valued Member

Re: Best First Navy Fed Card

@Mr_Mojo_Risin 

I went ahead and shot for the CR. Figured it was the best route to go given the 1.5% CB and me being a new member and all. Got approved. Back to the garden I go. I was already in the garden for a few months, but really wanted to join NFCU to obtain a LOC to get my foot in the door so I went for it. In reality I should've waited because were applying for a mortgage in 18 months but our mortgage scores are good atm. Just have to wait for the decrease in score from the new account and garden until next year! 

Message 18 of 21
Barreda88
Valued Member

Re: Best First Navy Fed Card

@blindambition 

Thanks! I went for the cash rewards. Figured it was the best option atm. So with NF, I read about this 91/3 rule. So basically wait 91 days or 3 months prior to requesting a CLI is that right? So excited to finally be a part of the NFCU fam! 

Message 19 of 21
Mr_Mojo_Risin
Valued Contributor

Re: Best First Navy Fed Card


@Barreda88 wrote:

@Mr_Mojo_Risin 

I went ahead and shot for the CR. Figured it was the best route to go given the 1.5% CB and me being a new member and all. Got approved. Back to the garden I go. I was already in the garden for a few months, but really wanted to join NFCU to obtain a LOC to get my foot in the door so I went for it. In reality I should've waited because were applying for a mortgage in 18 months but our mortgage scores are good atm. Just have to wait for the decrease in score from the new account and garden until next year! 


Glad to hear that!  Big congrats to you!

NFCU More Rewards 24K CL
NFCU Cash Rewards 4000 CL
Discover IT 1,000 CL
Quicksilver 600 CL (formerly Platinum)
NFCU auto loan
*We survived it, now comes the progress*
Previously Bowiefan
Message 20 of 21
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