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NFCU [Seemingly] May upgrade FLAGSHIP card......

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UncleB
Credit Mentor

Re: Possible revision to Flagship


@sinned96 wrote:

@Roadgeek395 wrote:

@sinned96 wrote:

That's interesting. I received one last year talking about the $95 annual fee increase. Not 150 like this post said in the beginning. I heard it's going to happen this summer.


Where did you hear that it's going to happened this summer?


I've heard it from a few different people that work there. There was a meeting about it a month or so ago. Flagship is the next card on the list to get upgraded since they just upgraded the cash rewards to the cash rewards Plus


This is very interesting, indeed. 

 

As long as they keep the annual Amazon Prime benefit I'll likely keep it around regardless, but if they sweeten the pot by increasing the various cash back multipliers I might find myself actually using the card on a regular basis. 🤔

 

Conversely, if they do away with the (recurring) Prime benefit I'll likely close the card altogether, and apply outright for the Amex More Rewards at some point.

 

Oh, welcome to myFICO, @sinned96! welcome.gif

Message 41 of 49
sinned96
New Visitor

Re: Possible revision to Flagship

Thanks I joined back in January 2024 just never really posted here before. I'm usually on the Navy Federal groups on Facebook and Reddit. But I was searching for something and this popped up so I figured I'd reply with what I recently heard.

 

As far as I know they're keeping the Amazon Prime Yearly I've gotten it three years in a row now. A friend got it five years. Supposed to be like 4% on travel 3% on restaurants. And then 2% on everything else. I'm the same as you though they got rid of Amazon Prime I'll product change to a cash Rewards. Since I don't travel much so it's just a 2% card to me

Message 42 of 49
Outbackexplorer
New Contributor

Re: Possible revision to Flagship

Main appeal to me would've been a discount on Amazon Prime Yearly, at $95 it really isn't too appealing anymore unless you do already pay for full price Amazon Prime yearly and also want a 2% card. Plenty of 2% cards out there, and for Travel you have things like Citi Custom Cash, Custom Cash Rewards, Pathfinder Rewards, Voice Business, etc.

Message 43 of 49
sinned96
New Visitor

Re: Possible revision to Flagship

Yeah definitely if I didn't have Amazon Prime I wouldn't want it. I would just product change to a cash Rewards. Since I rarely travel. I have an FNBO Evergreen card that is $11,000 limit that's my other basic 2% card

Message 44 of 49
UncleB
Credit Mentor

Re: Possible revision to Flagship


@sinned96 wrote:

Yeah definitely if I didn't have Amazon Prime I wouldn't want it. I would just product change to a cash Rewards. Since I rarely travel. I have an FNBO Evergreen card that is $11,000 limit that's my other basic 2% card


Yep, same here.  The only reason I did a PC from the GoRewards to the Flagship was for the Amazon Prime benefit.

 

I'll (probably) always have Amazon Prime so as long as I can break even I'll play along and keep the Flagship.  Like you I already have other 2% cards (WF Active Cash, Citi DC, NFCU CashRewards Plus).  I also have travel covered by the U.S. Bank AR (along with Citi Custom Cash and WF Autograph, in a pinch). 

 

The real pain point for me with the Flagship is the $50 rewards redemption requirement.  I get that it shouldn't matter if one is using the card often, but for a card that's already 'meh' it's just not really competitive IMO.  If the rewards rate were better I might be persuaded to overlook it, though.

Message 45 of 49
NoHardLimits
Valued Contributor

Re: Possible revision to Flagship

Has anyone else noticed that the anticipated travel categories don't exactly match up with the current set?

 

The rumored set includes:  airline, hotel, car rental, rideshare, and cruise.

 

The current card's travel categories include:  airline, hotel, car rental, bus lines, taxis, cruise lines, time shares, parking, and transit.  (see footnote #5 in the link below)

 

https://www.navyfederal.org/loans-cards/credit-cards/offers/flagship-visa-signature.html#CC15 

December 2025 Scorecard: Clean, Thick, Mature, New Revolver
FICO8:
FICO9:
VantageScore3:
Inquiries (n/12, n/24):
AAoA: 11 yrs | AoORA: 38 yrs | AoYRA: less than 1 yr | New Accounts: 1/6, 1/12, 3/24 | Util: 1% | DTI: 1%
Message 46 of 49
ZackAttack
Established Contributor

Re: Possible revision to Flagship


@UncleB wrote:

@sinned96 wrote:

@Roadgeek395 wrote:

@sinned96 wrote:

That's interesting. I received one last year talking about the $95 annual fee increase. Not 150 like this post said in the beginning. I heard it's going to happen this summer.


Where did you hear that it's going to happened this summer?


I've heard it from a few different people that work there. There was a meeting about it a month or so ago. Flagship is the next card on the list to get upgraded since they just upgraded the cash rewards to the cash rewards Plus


This is very interesting, indeed. 

 

As long as they keep the annual Amazon Prime benefit I'll likely keep it around regardless, but if they sweeten the pot by increasing the various cash back multipliers I might find myself actually using the card on a regular basis. 🤔

 

Conversely, if they do away with the (recurring) Prime benefit I'll likely close the card altogether, and apply outright for the Amex More Rewards at some point.

 

Oh, welcome to myFICO, @sinned96! welcome.gif


I agree, if it's being upgraded to $95 they need to make it more appealing.

They should update it to something like 2.5-3x everything and with Direct deposit and 0.5x-1x extra. IMO.

 

Upping it only to match Amazon Prime fee wouldn't make it appealing. It would just save a couple of dollars and nothing else. I am no travel no soo ... I think that benefit usually isn't worth it in credit union cards.

-------
Okay check that, my spending is a little different than everything, and the rewards for everything would also have to compete with cards that are giving 5% cashback (flex, discover, custom cash    are a phew examples)

MSGCU Rewards | $10.5kDiscover Cash It | $10kAmex BCE | $15kBest Buy Visa | $20kChase Freedom Flex | $8kDCU Platinum | $8kNFCU Flagship | $73kAffinity FCU Cash Rewards | $7kAmazon Prime | 12.5kChase Unlimited | 16.4kUSAA Cashback Rewards Plus Amex | 10kAmex Business Cash | 10k


Message 47 of 49
flash123
Member

Re: Possible revision to Flagship

If they are removing items from the travel category that makes it less valuable than Bank of America "travel" category credit cards.

 

One missing note is AUs get the same benefits credit as owner card for no extra fees. That would be over $500 in credit if you have four AUs using the credits. I have done shared Prime account before, with household member, and the mix in Kindle books selection gets messy. Best to have their own Prime account.

Message 48 of 49
flash123
Member

Re: Possible revision to Flagship

The one good thing, from the past and current offers, is minimum of 10x for regular spend 

 

- spend $750 on travel, get 7500 points

- make two purchases on "utility, insurance, phone, internet, and cable services" and get 6,500 points

 

They have had dining and groceries spend offers. These offers offset the current AF.

Message 49 of 49
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