Navy Fed PC questions

[Anonymous]

So I messaged NFCU about doing a PC from nRewards to a goRewards Visa Signature. They agreed that it can be done, but that it would raise my APR from 13.25 to 18% APR. Can anyone with the goRewards chime in on if its better points wise or worth converting? Sometimes I do carry a balance, so the 5pt jump in APR seems a little steep. Im not sure if the rewards are worth it. Although my nRewards card points system is only 1for1 and has been growing so slow to purchase anything worthwhile!

[jbsea]

Well for the bonus rewards it's not even close.  I've never had the N Rewards card but just looking at it online depending on how much you use it, I think it could be a huge difference.   Also how long and how large of a balance would make a difference.  You would have to look at that and decide what makes the most since for you and remembering that you can get a reduction every year on the APR.  But as far as just the cards go.... Go Rewards win.

[Anonymous]

I suppose youre right. Max balance I carry is maybe 600? And thats maybe 5% of my limit. So it isnt a substantial amount. If the reward structure is better I think I may just make the switch. Plus, Ill have the extra of it being a Visa Signature. Free perks are useful. I think I just dislike the fact of APR raising after obtaining a better card. I guess its a tradeoff they make. Ah well,  Im gonna miss the blue nRewards card. I think it looks the best out of all NF credit cards!! The nostalgia effect after 6 years with it.