NFCU Flagship

[Anonymous]

Question for those of you with the Flagship card. Is it worth the annual fee? I’m hoping they bring back a SUB in April maybe and debating on if I should apply.

[Brian_Earl_Spilner]

Depends on how much you fly, and to where

[Anonymous]

So if I only fly a couple times a year probably not worth it?

[Brian_Earl_Spilner]

Depends on when you fly and what kind of security wait you normally deal with. I fly early morning so my wait isn't that long. Don't really need tsa precheck. It would be nice, but my wife wouldn't have it.

[Anonymous]

That’s true...well I think you helped me decide. Thank you!

[Shooting-For-800]

Absolutely is to me and I only travel once or twice per year.

Great limit.

Great rewards.

Great SUB.

Great travel benefits.

Lowest rewards is 2% back which is more or same as some cards best rewards.

I wish the card was metal, but still nice looking overall.

[Anonymous]

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@Anonymous wrote:
Question for those of you with the Flagship card. Is it worth the annual fee? I’m hoping they bring back a SUB in April maybe and debating on if I should apply.

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Yes, if you can get it with the nice $500 SUB after these 1.99% BT promotion. It will pay for 10 years on annual fees. You do get the $100 TSA Precheck/Global Entry credit. It is basically a 3% cash back card for travel and 2% cash back on everything else. You don't even need to travel because you can get the cash back, statement credit, or use it to cover any purchase. Minimum redemption is $50. You can also product change it to a no AF card down the road. 

[BPebbles]

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@Anonymous wrote:

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@Anonymous wrote:
Question for those of you with the Flagship card. Is it worth the annual fee? I’m hoping they bring back a SUB in April maybe and debating on if I should apply.

---

Yes, if you can get it with the nice $500 SUB after these 1.99% BT promotion. It will pay for 10 years on annual fees. You do get the $100 TSA Precheck/Global Entry credit. It is basically a 3% cash back card for travel and 2% cash back on everything else. You don't even need to travel because you can get the cash back, statement credit, or use it to cover any purchase. Minimum redemption is $50. You can also product change it to a no AF card down the road. 

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You can also apply your 'cash back' to the AF.  I just did that - Navy makes it really easy to apply your cash back to the Annual Fee. There's an option in the Rewards Redemtion portal for that.

[Anonymous]

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@BPebbles wrote:

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@Anonymous wrote:

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@Anonymous wrote:
Question for those of you with the Flagship card. Is it worth the annual fee? I’m hoping they bring back a SUB in April maybe and debating on if I should apply.

---

Yes, if you can get it with the nice $500 SUB after these 1.99% BT promotion. It will pay for 10 years on annual fees. You do get the $100 TSA Precheck/Global Entry credit. It is basically a 3% cash back card for travel and 2% cash back on everything else. You don't even need to travel because you can get the cash back, statement credit, or use it to cover any purchase. Minimum redemption is $50. You can also product change it to a no AF card down the road. 

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You can also apply your 'cash back' to the AF.  I just did that - Navy makes it really easy to apply your cash back to the Annual Fee. There's an option in the Rewards Redemtion portal for that.

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Yeah but you're still throwing away money versus a 2% card with no AF unless you have $4900 worth of 3% or can make use of the TSA Pre✔️ credit.  

[BPebbles]

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@Anonymous wrote:

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@BPebbles wrote:

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@Anonymous wrote:

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@Anonymous wrote:
Question for those of you with the Flagship card. Is it worth the annual fee? I’m hoping they bring back a SUB in April maybe and debating on if I should apply.

---

Yes, if you can get it with the nice $500 SUB after these 1.99% BT promotion. It will pay for 10 years on annual fees. You do get the $100 TSA Precheck/Global Entry credit. It is basically a 3% cash back card for travel and 2% cash back on everything else. You don't even need to travel because you can get the cash back, statement credit, or use it to cover any purchase. Minimum redemption is $50. You can also product change it to a no AF card down the road. 

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You can also apply your 'cash back' to the AF.  I just did that - Navy makes it really easy to apply your cash back to the Annual Fee. There's an option in the Rewards Redemtion portal for that.

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Yeah but you're still throwing away money versus a 2% card with no AF unless you have $4900 worth of 3% or can make use of the TSA Pre✔️ credit.  

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Since I don't happen to have a 2% 'everything' card that happens to give Free Global Entry/TSA Pre✔️ credit, I'll take it.  Having some vineyards and wineries code as 3% Entertainment categories is a nice bonus.  Even if the winery or tasting establishment doesn't code to 3%, I'll at least get 2% there instead of a mere 1%.  lol..