Thoughts on NFCU Cash Rewards/More Rewards combo?

[MAZDA3]

As opposed to Citi Doublecash/TY Premier combo. Citi isn't budging on the Premier AF this year so debating options. Chase is out so please don't suggest any Chase combos.

[Aim_High]

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@MAZDA3 wrote:

As opposed to Citi Doublecash/TY Premier combo. Citi isn't budging on the Premier AF this year so debating options. Chase is out so please don't suggest any Chase combos.

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The Citi combo you mentioned is more for travel points (TY) than cash-back. 

So are you looking for cash or travel points? 

You have a lot of options.

Here's a few off the top of my head.

NFCU CR/MR is more about cash so not as lucrative as the CITI combo.

Yes, Chase combos can also be good but there are others.

NFCU CR/MR is okay but if you travel, MR-Flagship may actually be more lucrative for only $49 AF. (Earns 2% minimum cash-back)

I've seen several postings about combining Wells Fargo's Platinum, Cash Wise, and/or Propel cards too since they earn "Go Far Rewards".

And if you want travel, you can combine MR points with AMEX on several of their cards. 

[M_Smart007]

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@MAZDA3 wrote:

As opposed to Citi Doublecash/TY Premier combo. Citi isn't budging on the Premier AF this year so debating options. Chase is out so please don't suggest any Chase combos.

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Nice pick on the NFCU More Rewards

[kerplunk]

I agree with Aim_High. 

More Rewards and Flagship Rewards gets you a lot. If you can earn the SUB, you'll have your annual fee paid for 10 years.

In fact, I plan on making those two cards my only regularly-used cards.

3x travel

3x gas and transit

3x restaurants

3x supermarkets

2x everything else

I'll keep one other credit card (from a different financial institution) in my wallet just in case of a NFCU-specific issue.

[MAZDA3]

Thanks for the data points. I went with the More Rewards and also converted my Cash Rewards from mastercard to visa since that's all Costco accepts. Honestly i'm a bit disappointed in Citi. To tell me I refused a retention offer last year (I didn't) and then deny me any type of retention this year I was like wow. I would have been happy to keep the Premier and then get the Doublecash but that ship has sailed. Closed the Premier today and transferred all remaining points to Cathay Pacific.

I do also have a Platinum with NFCU. Don't use it much since it doesn't earn points but it's my oldest account so I keep it around.

I haven't done a cash back program in a few years so this will be fun to play with and maximize $$$.

[Anonymous]

Anything from NFCU is on point and you can't go wrong.   I mean what about card company will give you the CL that they give?

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@MAZDA3 wrote:

As opposed to Citi Doublecash/TY Premier combo. Citi isn't budging on the Premier AF this year so debating options. Chase is out so please don't suggest any Chase combos.

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[Anonymous]

I retired my NFCU Cash Rewards since PenFed earns 2% vs. NFCU @ 1%.

I PC'd it to the More Rewards, but haven't swiped it yet. Running a lot of spend thru new Citi and Capital One accounts to see if it gets those limits up. Then I'm going to make More Rewards my daiy driver for a while to give a few grand/month usage against my $23,500 CL on it . 

[JNA1]

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@kerplunk wrote:

I agree with Aim_High. 

More Rewards and Flagship Rewards gets you a lot. If you can earn the SUB, you'll have your annual fee paid for 10 years.

In fact, I plan on making those two cards my only regularly-used cards.

3x travel

3x gas and transit

3x restaurants

3x supermarkets

2x everything else

I'll keep one other credit card (from a different financial institution) in my wallet just in case of a NFCU-specific issue.

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That’s not a bad setup for the sake of simplicity. If your spend is anything like mine, if the “one other” card earned 3% or 5% on utilities, that would be a very easy to manage setup.