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NFCU PLATINUM CARD

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Regular Contributor

NFCU PLATINUM CARD

How does the NFCU Platinum card stack up against their other cards? I have their More Rewards AMX card.
They have a special deal on this card and a rep sent a request to his back office to have my Rewards card switched over to this card, no seperate application needed.

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Message 1 of 19
18 REPLIES 18
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Established Contributor

Re: NFCU PLATINUM CARD

I believe it's a cool card because it offers the lowest apr possible, if you maybe plan to do a bt and not pay it off within x months.


Message 2 of 19
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Regular Contributor

Re: NFCU PLATINUM CARD

What's a BT?

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Message 3 of 19
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Frequent Contributor

Re: NFCU PLATINUM CARD


@Shoot2Thrill wrote:
What's a BT?

That’s a Balance Transfer 😀

Starting FICO 8 December 2017

FICO 8 as of 6/7/20



Sock Drawer:

Message 4 of 19
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Established Contributor

Re: NFCU PLATINUM CARD


@Peazmom wrote:

@Shoot2Thrill wrote:
What's a BT?

That’s a Balance Transfer 😀


and that typically means taking the balance from one of your higher apr cards and putting it on a new, lower apr card. at the end of the day, saving you a good chunk in interest. hope this helps! 



Message 5 of 19
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Community Leader
Mega Contributor

Re: NFCU PLATINUM CARD

Plats a great card. Having a low apr card can be great for bts or just carrying a balance when needed. Plus no worries about $25 or $50 spend redemptionsSmiley Happy
Message 6 of 19
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Super Contributor

Re: NFCU PLATINUM CARD


@Shoot2Thrill wrote:
How does the NFCU Platinum card stack up against their other cards? I have their More Rewards AMX card.
They have a special deal on this card and a rep sent a request to his back office to have my Rewards card switched over to this card, no seperate application needed.

It's one of my favorites.


Total revolving limits 648500 (572500 reporting) FICO 8 EQ 728 TU 755 EX 732

Message 7 of 19
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Super Contributor

Re: NFCU PLATINUM CARD

I wouldn’t have switched to the Platinum card unless you have a balance to transfer from another financial institution. It comes with 0% for 12 months on balance transfers only and no rewards while the More Rewards comes with 1.99% for 6 months on purchases plus a $300 sign up bonus for $3K or spend in 90 days.

If you have a balance to move from another financial institution and it’s a fantastic card for that since you get 12 months to pay it off with no fees. They also offer 0-1.99% APR no fee balance transfers after the holidays are over each year to help everyone get their Christmas spending paid off from higher interest cards.


Message 8 of 19
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Super Contributor

Re: NFCU PLATINUM CARD

I'll let you know! Smiley Wink
For a collection of our current FICO scoring wisdom, updated as we learn, read the following. Watch the revision dates on the bottom of the first 8 posts as they are regularly updated: Link to Scoring Primer.

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Updated June 2020, unless otherwise noted. I took an HP on EX, will reflect on next update.

(Forgive typos, mobile.)(Everything said is Just IMHO.)

In order to better answer your questions and record your DPs, please provide your profile stats: Any baddies? Severity and recency? (clean/dirty), Number of accounts, both open and closed on CRs (thick/thin), AoOA? (aged/nonaged), AOYRA-Age of Youngest Revolving Account (new accounts/no new accounts)? Open/closed loan on CR?
For example, mine is clean/thick/aged/new account, with open loan on record.
If you don't know where you fall, just detail any baddies, your number of open and closed accounts, AoOA, AOYRA and whether you have a loan on record.

For utilization questions, list individual and aggregate utilizations, revolving and installment, please.
Message 9 of 19
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Established Member

Re: NFCU PLATINUM CARD

Great for no fee BTs w 0% APR for a year; as low as 8.24% after that

Message 10 of 19
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