Navy Fed Flagship Rewards

[JNA1]

Now that I’m NFCU member, this will likely be my next card. We never fly, so the 3% for travel is perfect for us for lodging, attractions, and amusement parks since we have no use for miles, abd the fact that it is a 2% card makes it very useful.

[Anonymous]

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@JNA1 wrote:
Now that I’m NFCU member, this will likely be my next card. We never fly, so the 3% for travel is perfect for us for lodging, attractions, and amusement parks since we have no use for miles, abd the fact that it is a 2% card makes it very useful.

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Just beware that NFCU typically doesn't give the Flagship as a first card. Lots of members with thick profiles and 800+ scores getting declined and having to get a cashRewards, More Rewards, Go Rewards, or Platinum with a $1K limit and then the Flagship at 91/3 with a $20K limit. It happens quite often. 

[JNA1]

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@Anonymous wrote:

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@JNA1 wrote:
Now that I’m NFCU member, this will likely be my next card. We never fly, so the 3% for travel is perfect for us for lodging, attractions, and amusement parks since we have no use for miles, abd the fact that it is a 2% card makes it very useful.

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Just beware that NFCU typically doesn't give the Flagship as a first card. Lots of members with thick profiles and 800+ scores getting declined and having to get a cashRewards, More Rewards, Go Rewards, or Platinum with a $1K limit and then the Flagship at 91/3 with a $20K limit. It happens quite often. 

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I remembered seeing some people saying that the 2nd NFCU card was usually the big one. I believe I read NFCU lets you call in and do prequals? If so, do they tell you what cards you are eligible for? The More Rewards card is probably the one I'd go with if I had to go with another card first, although I'd rather just have the Flagship with a monster CL!

[Anonymous]

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@JNA1 wrote:

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@Anonymous wrote:

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@JNA1 wrote:
Now that I’m NFCU member, this will likely be my next card. We never fly, so the 3% for travel is perfect for us for lodging, attractions, and amusement parks since we have no use for miles, abd the fact that it is a 2% card makes it very useful.

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Just beware that NFCU typically doesn't give the Flagship as a first card. Lots of members with thick profiles and 800+ scores getting declined and having to get a cashRewards, More Rewards, Go Rewards, or Platinum with a $1K limit and then the Flagship at 91/3 with a $20K limit. It happens quite often. 

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I remembered seeing some people saying that the 2nd NFCU card was usually the big one. I believe I read NFCU lets you call in and do prequals? If so, do they tell you what cards you are eligible for? The More Rewards card is probably the one I'd go with if I had to go with another card first, although I'd rather just have the Flagship with a monster CL!

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The prequals have been a lot more miss than hit. A lot of CSRs don't seem to know it's an option. 

[Anonymous]

It's a great card and great CU!  Plus think of it like this, the $500 SUB knocks out the AF for 10 years  :-) 

[spiritcraft1]

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@Anonymous wrote:

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@spiritcraft1 wrote:

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@Anonymous wrote:

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@Matt9543 wrote:

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@kdm31091 wrote:

I wouldn't really get it just for an extra 1% on what is basically a one-off purchase, but as mentioned, the SUB can make it worth it.

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I mean, I was just looking at it to see what the categories would be, to see if it would make sense for what I'm purchasing. I travel a bit, but it also gives me a 2% back Visa. I can justify the $49 annual fee, and I don't have a specific airline to fly with, nor do I spend enough to get a card with a $450 annual fee.

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The card only makes sense if you can get a net positive after the AF versus any other 2% card that doesn't have one. 

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or if NFCU is your only real option for a larger limit real 2% card. 

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Anyone that can get approved for the Flagship shouldn't have a problem getting the PayPal Cashback unless they burned Synchrony. 

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As a general rule perhaps but I got an $8k Flagship with a 590 TU FICO and my Wife got her $20k FS with a 640 TU FICO.   Both had $500 SUBs.  The PPMC could start as $300 and grow to a large CL over a year or so though... even if you did burn SyncB in the past after they let you in again. 

[UpperNwGuy]

Hey @spiritcraft1, I notice from your signature block that you have both the NFCU Go Rewards and the NFCU More Rewards cards.  What does the Go Rewards card give you that isn't also available from the More Rewards card?  Both have 3% dining, but the More Rewards also has 3% groceries, gas, and transit, all of which are only 1% or 2% on Go Rewards.  I'm asking because I've had the Go Rewards for many years.  It's gathering dust in my sock drawer, and I'm trying to figure out what to do with it.

[DrewfromTexas]

I have Go and More also and for me Go Rewards is a visa which I can use at Costco.

[DrewfromTexas]

I have Go and More also and for me Go Rewards is a visa which I can use at Costco.

[JNA1]

Right now the NFCU cards are offering BTs instead of SUBs. I think I read that in March? that will typically change back to the SUB? Is that correct?

I have no need for a BT, so I’ll definitely wait on the SUBs to come back.

[UpperNwGuy]

I'm waiting for those signup bonuses to return, too.  I've spent the last three years in a steady state, neither adding nor closing credit cards.  The recently announced fee hike on the Chase Sapphire Reserve was a wakeup call and has made me realize that I need to start managing my card collection more actively.  I was asleep at the switch when NFCU upgraded the Flagship Rewards in 2018 and the More Rewards in 2019.  Suddenly both cards seem useful to me now that they have been revamped.  I already have two NFCU cards (Cash Rewards and Go Rewards), so I'll have to close at least one to make room for the new cards under the NFCU limit of three cards to a customer.  Once I have the Flagship Rewards and More Rewards, I should be able to get 3% cash back on Travel, Dining, Groceries, Gas, and Transit.  I won't even miss my Chase Sapphire Reserve.