Flagship vs PCR

[CreditExpressNJ]

So, as a newly acquired PCR and Flagship user. I'm curious I search but I didnt find the topic which offers the better reward to point value. I know Flagship is typically considered a travel card but, the 2 points everywhere else I've heard is equivalent to 2%. So essentially that would make them the same but I've heard different things about PenFed reward structure but I'm assuming that is only in reference to comparing point to point (Flagship vs Pathfinder).

Does that hold true in PCR's case?

Which do you prefer? Why?

[SUPERSQUID]

I think the nfcu points are worth less than a dollar each so that makes the Penfed PCR superior for regular purchases at 2 percent cb.

I think you might be a vet so you are automatically enrolled in Penfeds honor advantage program which gives you 2 pct cb without a checking account.

[CreditExpressNJ]

@SUPERSQUID 

So, I'm not so sure about the points being worthless from what I can see from just a few charges I've made with Flagship.. They give me 2 cent per $1. I haven't actually used my PCR yet which I'll be having to run quite a bit through each to meet me bonus on each PenFed offer is easy. $1500 in 30 days irrc but Navy is $3000 in 90 days easy enough. Although, I don't really have any big purchases to make these days and I haven't been traveling as much as I usually do within the last 2 years. 

Definitely, a great topic of discussion though. I remember I was chasing to get a 2% card now I have 3 and don't even know which to make my daily user LOL..

[SUPERSQUID]

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@CreditExpressNJ wrote:

@SUPERSQUID 

So, I'm not so sure about the points being worthless from what I can see from just a few charges I've made with Flagship.. They give me 2 cent per $1. I haven't actually used my PCR yet which I'll be having to run quite a bit through each to meet me bonus on each PenFed offer is easy. $1500 in 30 days irrc but Navy is $3000 in 90 days easy enough. Although, I don't really have any big purchases to make these days and I haven't been traveling as much as I usually do within the last 2 years. 

Definitely, a great topic of discussion though. I remember I was chasing to get a 2% card now I have 3 and don't even know which to make my daily user LOL..

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I just got my PCR and NAVY CR in december. the PCR sub is i think 100 for 1500 in 90 days but the bt is what i really like, 12 months at zero 3pct fee. i initiall put a 147.00 purchase on it right away but quickly paid that when someone on this forum made me aware that any balance on the PCR would negate the 0 pct on the bt. in other words if you have a balance during the transfer or make a purchase during the term of the transfer then the whole balance is charged regular interest, i confirmed this with penfed. So i intend to use the zero pct balance transfer and not make a purchase until its paid.

I am currently working on my NAVY CR sub which is 250 for 2500 in 90 days by march 24, im 1/2 way there.

I have one 2 pct cb card but cant use it because the bt is more important to me but i have a couple of 1.5's for any purchase, 5 pct discover revolving categories, and savor 1 3 pct off groceries and dining so all is not lost.

[AverageJoesCredit]

I have the PCR and i dont think its a points back card. Its cash back. The Plat Rewards is points based. Or am i incorrect?

[SUPERSQUID]

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@AverageJoesCredit wrote:

I have the PCR and i dont think its a points back card. Its cash back. The Plat Rewards is points based. Or am i incorrect?

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I know the PCR is cash back.

I read that some NAVY cards that give points, the points are less than 1 dollar each. I remember reading about a few people mentioning the more rewards card being less.

The NAVY Cash Back gives cash

[800wannabe420]

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@SUPERSQUID wrote:

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@AverageJoesCredit wrote:

I have the PCR and i dont think its a points back card. Its cash back. The Plat Rewards is points based. Or am i incorrect?

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I know the PCR is cash back.

I read that some NAVY cards that give points, the points are less than 1 dollar each. I remember reading about a few people mentioning the more rewards card being less.

The NAVY Cash Back gives cash

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I have both the Flagship and More Rewards.   There is NO reduction in value of points. 

$1 of spend = 1 point 

1 point = 1 cent.

[M_Smart007]

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@SUPERSQUID wrote:

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@AverageJoesCredit wrote:

I have the PCR and i dont think its a points back card. Its cash back. The Plat Rewards is points based. Or am i incorrect?

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I know the PCR is cash back.

I read that some NAVY cards that give points, the points are less than 1 dollar each. I remember reading about a few people mentioning the more rewards card being less.

The NAVY Cash Back gives cash

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I have received a couple of More Rewards SUB's ... 250,000 points redeemed for $250.00 cash.

Also the Flagship was 450,000 points, redeemed for $450.00 cash.

I am just not seeing point devalued here.

[coldfusion]

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@800wannabe420 wrote:

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@SUPERSQUID wrote:

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@AverageJoesCredit wrote:

I have the PCR and i dont think its a points back card. Its cash back. The Plat Rewards is points based. Or am i incorrect?

---

I know the PCR is cash back.

I read that some NAVY cards that give points, the points are less than 1 dollar each. I remember reading about a few people mentioning the more rewards card being less.

The NAVY Cash Back gives cash

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I have both the Flagship and More Rewards.   There is NO reduction in value of points. 

$1 of spend = 1 point 

1 point = 1 cent.

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This is correct.  

The PCR itself pays out directly in cash value although there are other Penfed card who pay out in points that are themselves valued at less than a penny each. 

[greatscott85]

I have both of these cards LOL. I use each sporadically. I put one of the kids tuition on the PCR for the spend. NFCU is my primary FI. I like the Flagship a bit better because you get SP CLI's. NFCU is like clockwork on that, plenty of reference DP's here. PenFed is a bit different. I can see on my PCR there's a request CLI button available and that's very likely to be a hard pull. 

Even if you don't travel much, you can get Global Entry (which includes TSA Precheck) and make the AF work on the Flagship. Good for 5 years and you get it knocked out before you need it. There may be some other categories of "travel" that are more everyday spend such as tolls, amusement parks, etc. I'm not 100% how NFCU defines travel. But definitely something to look in to!