I have their Platinum card @ the rate of 5.99% and it is great to have a low interest card but since I usually do not carry a balance outside of a 0% promotion it is not very useful. Especially since it carries no rewards. So, this card is for a specific need and will never be anybody's everyday card.
I'm not knocking NFCU at all for this(nothing but love for them), just pointing it out.
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@raisemysc0re wrote:I have their Platinum card @ the rate of 5.99% and it is great to have a low interest card but since I usually do not carry a balance outside of a 0% promotion it is not very useful. Especially since it carries no rewards. So, this card is for a specific need and will never be anybody's everyday card.
I'm not knocking NFCU at all for this(nothing but love for them), just pointing it out.
For me, it doesn't seem all that advantageous when more rewards and flagship are in the line up. Secondly, I'm considering penfed's cash back in March maybe. Lastly, though, there comes periods of time where I can put 5-15k on a card for a couple of months before it's paid off. It seems to pair best for me, imo, but I also can switch back up to 30 days later with no penalties (cash rewards@9.65) supposedly.
Flagship is essentially 2% cash back, so low APR to cover all angles? Idk...
Sweet! 
@PicoFico wrote:
@raisemysc0re wrote:I have their Platinum card @ the rate of 5.99% and it is great to have a low interest card but since I usually do not carry a balance outside of a 0% promotion it is not very useful. Especially since it carries no rewards. So, this card is for a specific need and will never be anybody's everyday card.
I'm not knocking NFCU at all for this(nothing but love for them), just pointing it out.
For me, it doesn't seem all that advantageous when more rewards and flagship are in the line up. Secondly, I'm considering penfed's cash back in March maybe. Lastly, though, there comes periods of time where I can put 5-15k on a card for a couple of months before it's paid off. It seems to pair best for me, imo, but I also can switch back up to 30 days later with no penalties (cash rewards@9.65) supposedly.
Flagship is essentially 2% cash back, so low APR to cover all angles? Idk...
For me, it boiled down to me having the AOD Signature card that earns 3% on all purchases, and not really needing the More Rewards card. I have some home improvement projects in the spring that will be a decent chunk of money, but will also be something I can pay off in 4 or 5 months. The 0% intro APR on all my cards have ended, so to avoid any interest, I'd have to pay for it with cash or get a new card (which I'm trying to avoid for now). I decided I'd rather put it on a low APR card and pay interest for a 4 or 5 months. The ARP on this card is as good or better than most personal loans, so I don't paying 5.99% for a few months. Putting it on one my rewards cards doesn't make sense because the APR on all of them except AOD negate any rewards earnings, but my AOD's card limit is currently too small to put the charge on.
I basically got the 5.99% Platinum to use as a de facto short term personal loan to keep from pulling the money out of my savings.
