@Anonymous wrote:
werty, is it worth to pays AF of $49? Do you travel a lot and can use the rewards you earn before it expires in 5 yrs?
If they let you, why don't you switch to the cashRewards instead? It earns same 1% on every purchase and pts never expires with NO AF and better than nRewards.
* I do keep my nRewards because of it is my oldest cc even its rewards program is not that good any more.
In the big picture yes it is. I buy roughly 6 airline tickets a year, rent a car once (card covers deductible in case of accident), and put around 45k a year through that card. So with the tickets basically being 2 points a dollar and the visa gift card being 1.5 points per dollar it makes sense for me to move to the card even with the annual fee.
I know it isn't the best card out there but I like NFCU and it is just a PC so no need for another hard inq on my report. I choose not to manage through multiple cards with revolving 5% categories like some do. I find good enough for me just to use one card. I get too confused otherwise!
