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

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Valued Contributor

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

$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!

 

Rebuild started in 2014  -  $100k unsecured credit in 2017  -  $400k unsecured credit in 2020.

DON'T WORK FOR CREDIT CARDS ... MAKE CREDIT CARDS WORK FOR YOU!

5% Rotating - Discover                         5%-20% - Amazon & Lowes                   3-6% Groceries - NFCU & Amex Preferred
3-5% Gas - NFCU & Ducks Unl            4% Dining & Entertain - Savor               3% Travel & Hotels - Flagship, Propel, & Uber
2% Everything - Flagship & Syncrony






Message 11 of 34
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Community Leader
Super Contributor

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


@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%Smiley Tongue


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%



(10/2020)
FICO 8 (EX) 810 (TU) 805 (EQ) 794
FICO 9 (EX) 835 (TU) 822 (EQ) 828

$1M+ club

Artist formerly known as ColdFusion
Message 12 of 34
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Valued Contributor

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

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

Daily Carry: PenFed Power Cash • NFCU Flagship • NFCU More Rewards • Chase Freedom Unlimited
Sock Drawer: PenFed Promise • NFCU cashRewards • Chase Freedom • Chase United MileagePlus • UNFCU Azure
Message 13 of 34
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Regular Contributor

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

* 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.

 

Message 14 of 34
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Super Contributor

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


@J-Marr 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.


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


3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>09/2020 CCT EX 818 TU 826 EQ 840

Color me your color, baby
Color me your car
Color me your color, darling
I know who you are
Come up off your color chart
I know where you're comin' from
Call me (call me) on the line
Call me, call me any, anytime
Call me (call me) my love
You can call me any day or night
Call me

Blondie - Call me ( 1978 )
Message 15 of 34
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Community Leader
Super Contributor

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


@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.



(10/2020)
FICO 8 (EX) 810 (TU) 805 (EQ) 794
FICO 9 (EX) 835 (TU) 822 (EQ) 828

$1M+ club

Artist formerly known as ColdFusion
Message 16 of 34
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Super Contributor

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


@the_old_curmudgeon 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%Smiley Tongue


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%   Smiley Sad


3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>09/2020 CCT EX 818 TU 826 EQ 840

Color me your color, baby
Color me your car
Color me your color, darling
I know who you are
Come up off your color chart
I know where you're comin' from
Call me (call me) on the line
Call me, call me any, anytime
Call me (call me) my love
You can call me any day or night
Call me

Blondie - Call me ( 1978 )
Message 17 of 34
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Valued Contributor

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


@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%Smiley Tongue


I guess I'm just lucky, @M_Smart007Smiley Tongue 

 

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

It's actually currently at 9.99%Smiley Very Happy 

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

 

ETA: 

DANG @the_old_curmudgeon  and @UpperNwGuy !! 

8.74% REALLY rocks!!   Congrats!!

 

PF_PC_APR_202006.jpg



Updated 10/08/2020
Total Length of Credit = 35+ years; AoOA (Currently open accounts) = 27+ years;
AAoA = 8+ years; AoYA = less than 1 year (Aug 2020)
Total Open Credit Lines Over $538K. Utilization Less Than 1%.
Inquiries until Nov 2020 (TU:3 -- EQ:4 -- EX:9)
New Accounts: 3/6 months; 8/12 months; 12/24 months (as of 10/15/20)
*Hover cursor over each card to see name & CL, or press & hold on mobile app.
Message 18 of 34
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Epic Contributor

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


@Meanmchine wrote:

@the_old_curmudgeon 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%Smiley Tongue


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%   Smiley Sad


@Meanmchine  .. Mine is 16.74% Purchase APR.

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

 

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

And "Usually" was when Interest rates were higher.

Message 19 of 34
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Established Contributor

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

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.



Message 20 of 34
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