NFCU cashRewards?

CreditExpressNJ · ‎04-29-2014

Ok so i have noticed something strange the NFCU cashRewards i was gonna use to replace my CapitalOne Quicksilver for the 1.5% cashback but reading deeper into the NFCU CB program i saw that 1.5% is only for anything after 10K spending for the year so everything else below 10K is 1% so does this card really hold its weight being that it is a spending requirement before it gets 1.5% CB?

CH7 Filed (3/29/17) - 483 EX 516 EQ 517 TU Discharged (5/31/17) - 559 EX 538 EQ 501 TU Current (1/18/22) - 690 EX 683 EQ 671 TU
Current Cards

user5387 · ‎04-29-2014

Depends on what you're after.

CU cards offer a variety of benefits that rewards cards don't have. One example is generous limits.

creditFiend · ‎04-29-2014

I say it has good perks if you do alot of online shopping. You can earn over 8% cashback through member mall depending on what you're shopping for. I've only had my CashRewards a couple weeks, spent about $300 & earned $18+ in rewards already.
Regardless if I don't meet over the $10,000 spend in a year for the 1.5% cashback. Spending $10,000 will earn me at least $100 in a year. Plus the extra % through member mall. Can't beat that!

Jess21 · ‎04-29-2014

@JaB8199 wrote:
I say it has good perks if you do alot of online shopping. You can earn over 8% cashback through member mall depending on what you're shopping for. I've only had my CashRewards a couple weeks, spent about $300 & earned $18+ in rewards already.
Regardless if I don't meet over the $10,000 spend in a year for the 1.5% cashback. Spending $10,000 will earn me at least $100 in a year. Plus the extra % through member mall. Can't beat that!

+1

Equifax: 676 (myfico) Experian: 683(myfico) TransUnion: 689 (Barclays)

Current Goal: 700

hyp0luxa · ‎04-29-2014

I don't know, for me I'd rather give usage to a CC that started me with a generous limit than a CC that I've had to jump through hoops with over the past 2.5 years to get a mediocre CL. I still use my QSOne, but not for singular large purchases.