Is it worth the HP to get a Navy Federal cashRewards credit card?

[DigitalArk]

Because I do not want to pay the annual fee. 

[Creditaddict]

At $5k month don't you think it's worth? Plus a Black Card! LOL

[DigitalArk]

What's so special about a black card? I have one in my signature.

[GatorGuy]

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@DigitalArk wrote:

Because I do not want to pay the annual fee. 

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Understandable but it is the lowest annual fee that I've seen for any prime card at this level. I think it is a great addition to any wallet not only because a 2% on everything is great to put everyday spending but it will likely be the highest CL that you have on any card.

If you think at any point in the future you would want this card then I suggest going ahead and getting it now and letting it build in your account.

[OptimalCS]

If your inquires and util are low go for it!

I always struggle with HP for CLI.

I pulled the trigger this week and got a $7,300 increase from Home Depot.

[Crossdivided]

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@bman86 wrote:

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@Creditaddict wrote:

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@Creditaddict wrote:

YES YES AND ALWAYS YES!

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Oh and don't forget the $15k NavCheck Line just because!

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What's the deal with the $15k NavCheck? Mine is currently $500 as it has been for the last 4 years since I opened the account with them.

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Verify that you actually have NavCheck. The OOPS (optional overdraft protection) is a standard 500 and is (more or less) automatic with a checking account.