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NFCU 91/3 coming up next week for #3 credit card.

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NFCU 91/3 coming up next week for #3 credit card.

Greetings to all,

I currently have 2 NFCU credit cards, cashRewards Visa Signature&GoRewards Visa Signature. I just added Discover 5%, Citi Double Cash & Target REDcard.

I will add 1 more then head to the Garden until 1/2021. Anyone who have NFCU what is a good 3rd card to get? I'm eyeballing the Platinum or Flagship.

2015:
. Wells Fargo Platinum Visa, 9/15
. Usbank Platinum Visa, 9/15

2018:



· Quicksilver MC, 4/18

· Usbank Cash Plus Visa Sig, 7/18

· Quicksilver Visa, 8/18

· Amex Gold Delta, 50,000 Skymile referral, 11/18



2019:



· NFCU cashRewards Visa Sig, 1/19

· Avant MC, 4/19

· NFCU GoRewards Visa Sig, 4/19

· Discover it 5%, 6/19

. Target REDcard, 7/19

. Citi Double Cash, 7/19
Message 1 of 9
8 REPLIES 8
Regular Contributor

Re: NFCU 91/3 coming up next week for #3 credit card.

Flagship


Message 2 of 9
Super Contributor

Re: NFCU 91/3 coming up next week for #3 credit card.

I would say the Platinum as well. 

 

The Flagship is nice if you can get more value out of it than the $49 AF which probably isn't that hard to do if you have any travel but having a low APR card that you can use for an emergency rather than drain a bank account is nice too.

 

More Rewards has the same $50 redemption threshold the GoRewards has so I don't really recommend it.

 

ETA: If you don't have a balance to transfer, I wouldn't get the Platinum right now. The Flagship has a nice sign up bonus if you can both hit the $4K spend for it and be approved for the $5K minimum SL the card requires. 


Scores 1/2019:
Scores 9/2019:

Hover over my cards to see my limits!
Goal cards: Does it look like I really need any more cards? My goal is to garden until 2/2020.
Message 3 of 9
Valued Contributor

Re: NFCU 91/3 coming up next week for #3 credit card.

Platinum if you want a low interest rate card or balance transfer card.

Flagship if you want the SUB of $500 for $4k spend and 3% on travel and 2% on everything else.






Message 4 of 9
Valued Contributor

Re: NFCU 91/3 coming up next week for #3 credit card.

Flagship has a $500 sign up bonus right now. If you dont have it get it before the offer expires
More cards than I can mention in a signature.
Message 5 of 9
Regular Contributor

Re: NFCU 91/3 coming up next week for #3 credit card.

Only thing about the Platinum is you aren’t guaranteed a low interest rate. Mine current resides at 15%. That was with a Fico 9 753


Message 6 of 9
Super Contributor

Re: NFCU 91/3 coming up next week for #3 credit card.


@Df82 wrote:
Only thing about the Platinum is you aren’t guaranteed a low interest rate. Mine current resides at 15%. That was with a Fico 9 753

You can request a reduction once a year. 

I don’t know how they assign them. I got approved for the lowest in December with a much lower FICO 9 (I can’t remember what it was but my 8 was 652 for reference). 


Scores 1/2019:
Scores 9/2019:

Hover over my cards to see my limits!
Goal cards: Does it look like I really need any more cards? My goal is to garden until 2/2020.
Message 7 of 9
Valued Contributor

Re: NFCU 91/3 coming up next week for #3 credit card.


@Df82 wrote:
Only thing about the Platinum is you aren’t guaranteed a low interest rate. Mine current resides at 15%. That was with a Fico 9 753

You can call in at the 1 year mark and get it lower. With your score, they will probably lower it close to 8.24%.






Message 8 of 9
Valued Contributor

Re: NFCU 91/3 coming up next week for #3 credit card.

Platinum is for carrying balances.

 

Flagship is for rewards on everything with a little more for travel.

 

Flagship is a hard card to beat overall for PIF purchases.

Rebuild started in 2014  -  $100k+ unsecured credit in 2017  -  $250k+ unsecured credit in 2019.

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