NFCU Flagship: For those of you who don't travel....

[Shooting-For-800]

$500 sub pays my AF for 10 years.

2% on everything is good as 99% of all cards out there.

3% on travel when it does happen.

Cellphone protection.

Tons of benefits.

Decent looking card (wish it was metal)

NFCU!

[coldfusion]

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@M_Smart007 wrote:

"(PenFed Power Cash is 11.74% and no FTF ... but they also have 3% BT and 5% Cash Advance fees.)"

Snipped from the above post  ^^^^^^^^^^^

I have seen very few PenFed Power Cash Rewards Approvals where someone actually gets the 11.74% APR ..

Usually 16.99-17.99%

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The current APR for purchases on my Penfed PCR is 8.74%.

Right now for new applicants the range they're offering is 14.99-17.99%

[UpperNwGuy]

The APR on my PenFed Power Cash is 8.74% too.

[Heatt99]

* The 2% non category spend is nice.

* Starting limit of 5k

* enter Navy's shopping portal for additional category & non category points 

* 24 hrs exceptional customer support

*  tops out at 80k limit 

*  no FTF, yearly BT w/o fees, and no ATM fees

* approvals with sub prime credit scores

I understand that the combination of other cards make this card average, but for those that want simple. This card holds its own.

[Meanmchine]

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@Anonymous wrote:

It is also the single only card that can have up to an $80,000 limit, vs other cards capped at $50,000 at NFCU.

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LOL thats a problem I dont think I'll ever have

[coldfusion]

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@Heatt99 wrote:

* The 2% non category spend is nice.

* Starting limit of 5k

* enter Navy's shopping portal for additional category & non category points 

* 24 hrs exceptional customer support

*  tops out at 80k limit 

*  no FTF, yearly BT w/o fees, and no ATM fees

* approvals with sub prime credit scores

I understand that the combination of other cards make this card average, but for those that want simple. This card holds its own.

---

There are a lot worse cards to have in one's wallet or purse.   I have No Regerts about carrying one and it's on my short list of cards to carry for international travel.

[Meanmchine]

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@coldfusion wrote:

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@M_Smart007 wrote:

"(PenFed Power Cash is 11.74% and no FTF ... but they also have 3% BT and 5% Cash Advance fees.)"

Snipped from the above post  ^^^^^^^^^^^

I have seen very few PenFed Power Cash Rewards Approvals where someone actually gets the 11.74% APR ..

Usually 16.99-17.99%

---

The current APR for purchases on my Penfed PCR is 8.74%.

Right now for new applicants the range they're offering is 14.99-17.99%

---

Mine is 15.49%  

[Aim_High]

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@M_Smart007 wrote:

"(PenFed Power Cash is 11.74% and no FTF ... but they also have 3% BT and 5% Cash Advance fees.)"

Snipped from the above post  ^^^^^^^^^^^

I have seen very few PenFed Power Cash Rewards Approvals where someone actually gets the 11.74% APR ..

Usually 16.99-17.99%

---

I guess I'm just lucky, @M_Smart007.   

I admit that my PenFed Power Cash APR is not 11.74% however. 

It's actually currently at 9.99%!   

*The 11.74% was their lowest advertised rate at that time.

ETA: 

DANG @coldfusion  and @UpperNwGuy !! 

8.74% REALLY rocks!!   Congrats!!

[M_Smart007]

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@Meanmchine wrote:

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@coldfusion wrote:

---

@M_Smart007 wrote:

"(PenFed Power Cash is 11.74% and no FTF ... but they also have 3% BT and 5% Cash Advance fees.)"

Snipped from the above post  ^^^^^^^^^^^

I have seen very few PenFed Power Cash Rewards Approvals where someone actually gets the 11.74% APR ..

Usually 16.99-17.99%

---

The current APR for purchases on my Penfed PCR is 8.74%.

Right now for new applicants the range they're offering is 14.99-17.99%

---

Mine is 15.49%  

---

@Meanmchine  .. Mine is 16.74% Purchase APR.

Guess it don't really matter .. I only carry a balance if it is @AllZero 

So when I was refferering to "Usually" .. I realize there are some outliers

And "Usually" was when Interest rates were higher.

[LakeLife]

Speaking of this card, am I right in not seeing a current SUB for it?  The last one I an find in an article expired April 30th, 2020.