Citi DC vs NFCU Flagship Card

[Harvey26]

I have both cards and would like to get rid of one. Thoughts? I don't pay interest I pay in full each month. Just want to use one card as my daily driver. Which card would you keep?

Citi DC is 10K @ 14.24

NFCU is 20K @ 15.49

[Girlzilla88]

Me I would keep the NF I wouldn't lose a 10k higher just to keep 1% lower ^^

[wasCB14]

My DC has been locked since the fall and I only use Costco for certain Costco purchases (a reputable merchant with a smooth returns policy).

If I had a problem with a card, I would rather deal with NFCU than Citi. I've disputed a charge with Citi (a merchant giving me the runaround about a refund) and while I won, the process was a serious PITA.

[randomguy1]

Do you value TSA pre, 3x travel, and probably a lower APR?

Do you value its ancillary benefits such as extended warranty, lost baggage reimbursement, secondary auto rental collision damage coverage and travel accident insurance @ an annual $49 fee?

If yes to the above, the Flagship wins. If you are just looking for a 2% card, you probably don't need to pay a $49 AF if you have these benefits on another card.

[K-in-Boston]

If you spend more than $4900 a year on expenses that code as travel, Flagship wins. If there is a monetary value to perks offered by either card that will need to be factored in.

[kilroy8]

While not offered right now, the 50K point SUB will return and tilt this towards NFCU.

[K-in-Boston]

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@kilroy8 wrote:

While not offered right now, the 50K point SUB will return and tilt this towards NFCU.

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If there is no travel spend, this is only true until the 11th year after which Double Cash is a better option. 🤪

(Since OP already has both cards, SUB is kind of moot though.)

[Harvey26]

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@K-in-Boston wrote:

If you spend more than $4900 a year on expenses that code as travel, Flagship wins. If there is a monetary value to perks offered by either card that will need to be factored in.

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Yes I spend about double to triple that.

[Gmood1]

I'll be dropping the Flagship later this year. And rolling the limit into my oldest Navy CC. Visa's are a dime a dozen. MasterCards aren't as easy to come by.

[K-in-Boston]

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@Harvey26 wrote:

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@K-in-Boston wrote:

If you spend more than $4900 a year on expenses that code as travel, Flagship wins. If there is a monetary value to perks offered by either card that will need to be factored in.

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Yes I spend about double to triple that.

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In which case you are getting $50-100 more value annually from Flagship after the AF is deducted, without monetary value for any other perks.  Replacing Flagship with Citi Premier or Prestige and converting DC's cash back to TYPs could make the DC a better option.  But if we are just comparing cash back, for you Flagship likely wins in a landslide.

Edit: as for APR, both issuers will lower them but NFCU has a lower floor than Citi except for very rare old cards that are grandfathered at a lower rate.