Navy Fed Flagship Rewards

[Matt9543]

Hey everybody,

So I've been thinking about the Flagship rewards card and I'm just curious what exactly codes as travel for it. I've seen online people mentioning that it's quite a broad category, but I was wondering if anybody has and DP on more specific categories. Somebody mentioned Amusement Parks counted for it, and I'm in the talks of buying an Annual Pass to Disney, so 3% back is a pretty decent amount for that.

[Anonymous]

It comes with a $500 sign up bonus. That will be a lot more than an additional percent on Disney tickets.

[kdm31091]

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.

[spiritcraft1]

The SUB is great.  If you spend the required $4k in the first 3 months you will have a minimum of $580.00 that can be pure cash back.  As for categories there are several including RV parks etc.  Being NAVY they exclude marinas for some reason.  The Wife and I both have Flagships, I have had mine for 11 months while she has has hers for 3 months.  We have a combined $2k in cashback so far between the two.  That kind of earn will take care of the $49 fee X2 easily...  obviously.

[Matt9543]

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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.

[Anonymous]

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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. 

[AceTen]

@Saeren

Sorry to butt in. I have been lurking for a few months and I have really enjoyed reading your posts. I think I've gained a lot of value from your shared knowlegde including a credit limit increase on my Amazon Prime Store card. I have never requested a credit limit increase before as my increases have always been automatic, but the button was easy. 

Back to the topic and OP:

I joined Navy and opened some savings accounts after reading about them here. I do not apply for cards very often (1/24) but the Flagship will probably be my next card.  I was considering NFCU's lower interest rates and higher credit limits as additional benefits of the card, with the $50 minimum redemtion as the only real negative. Also the NFCU card has no foreign transaction fees. I also read that NFCU credit card cash advances have very low fees, if anyone is interested in that feature. I also know from personal experience that Navy has wonderful phone support if that matters to anyone reading along.

[vision_20]

It’s honestly all in how you use it. I’ve had it for a while and whenever we take vacations it’s the only card I use. Amusement parks, tolls, parking garages, anything related to transportation expenses, hotels car rentals just to name a few is what counts towards the travel 3X for points.

[spiritcraft1]

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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. 

[Anonymous]

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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.

---

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.