BEST Navy Federal Credit Union Credit Cards 2024 💳 Which NFCU credit card should you choose?

[@ProudMoney]

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[@yusefinc1096]

I have been with NFCU since April. Opened a checking, savings, and money market account. Was prequalified for all the cards. I decided to apply for the cashREWARDS Visa Signature and was approved for $11,000! My highest card is my Capital One Platinum MC which is $1k. Also they pre approved me for a $17k car loan @8.99%. Navy Fed has always showed me love and great customer service.

[@PatrickDKing]

A few years back I got a car loan at 7.99% which is high (so is 8.99%) but it allowed me to get the car that I needed. Over the next year, year and a half I cleaned and tweaked my credit, got the scores up and refinanced that loan at 2.85% at a local credit union. I'd recommend as you get a higher credit score and more payment history consider refinancing your car loan. It's not expensive like refinancing a mortgage. In my state I had to pay $50-$75 to do something with the car's title, there were no other refinancing or loan fees. Reduced my loan payment by a lot and saved a lot of interest.

[@aaront936]

8.99% is showing you love?

[@nimravus01]

​@Aaron Taylor Right now, interest rates on car loans are very high compared to a few years ago. 8.99% is not crazy by today's market standards. Sure, it's not the absolute lowest out there, but going by the limited info the OP gave, it sounds like they have a pretty thin credit profile. That's where NFCU shines: giving reasonable terms and limits to people who would otherwise be outright denied or given very unfavorable terms on loans. TBH, my last car loan, (thankfully pre-pandemic) was with Capital One, because they beat NFCU for me. As the saying goes: "your mileage may vary."

[@charmanethompson9454]

That's good I hearing alot about navy federal

[@Sweetforeignn]

What was your credit score before you did this? Please share as I am also with navy federal for a year now and I’d like to start learning about their credit cards and loans. Thanks so much!

[@adamrondeau7810]

In 2016 I transitioned from active duty to veteran and had about the lowest credit score possible due to missteps in my younger days. Navy Fed took a chance on me with the nRewards Secured Card. I'm happily over 750 now and I'll always keep one Navy Fed card even though my credit card strategy has changed. Thank you Navy Fed! And thank you Adam, for giving them some love on your channel!

[@555125kevin]

Nice

[@sjt7005]

Been with Navy since Dec 2021, opened flagship chk, savings with $5.00 and DD. Added pledge loan $500, $1000 CD, 3 months later applied for Platinum Visa $33k, TU 678, DTI 20%, utilization 10%. Applied for mortgage refi and home improvement loan 3 months later but did not apply for home improvement loan until mortgage refie closed. Added money market $1000 and opened 4 shared savings $5.00 each for mu children. Requested CLI after 91 days and then 6 months, now my Platinum Visa is at $49k. Applied for Cash rewards 7/5/2023 and today received email approval for $25k. TU score 745, DTI 35% and utilization 1%.

[@pixsilvb9638]

Awesome gardening! What noticeable difference you see between the Platinum and the Cash Rewards CCs? I have a More Rewards CC and would like to get another one but the likely csndidate (Flagship CC) has a $49 fee which I would like to avoid. So I was thinking which of the other CC in their line up will come in handy?

[@sjt7005]

@pixsilvb9638 my husband has flagship cc whichbis great for travel. I prefer cash rewards so far over platinum as well since no rewards offered on that one, only 0% balance transfers but I don't carry any balances.

[@Juvievid]

Did you fully deposit your checks into your account? I want to do deposit but don't want to change my other bank from receiving deposits as well, not sure if it really matters on the amount being deposited. Thanks

[@sjt7005]

@Juvievid I am direct depositing majority but depositing $5.00 into Penfed, SECU, Langley which I also opened Dec 2021 with $10k LOC, $20k CC and $5k LOC plus $5.00 also at FirstTech, Kinecta and DCU but haven't applied to anything there...

[@SpencerJohnsonOfficial]

I've heard great things about the Flagship card in particular. Credit unions definitely have some sleeper cards, especially NFCU. Great video Adam!

[@SpencerJohnsonOfficial]

@Shawn Good to know! I know you love your CUs so I'll take your advice on that.

[@SledgeIncTeam]

They have great Cards with High Limits. I have the Flagship, More Rewards and Go Rewards

[@aaront936]

I have a 2.5% 30 yr fixed mortgage with Navy Federal

[@D1PS3T1231]

when did you get the loan?

[@bmorehemi392]

Yup! I have 3 cards, totaling $40k..never had an credit score over 670

[@herman66mi83]

Been with USAA for 30 Years before joined NFCU. NFCU has superior products AND 24/7 Customer Service too!!

[@clifford629]

USAA is great for insurance (I personally use), but meh for banking (from what I've seen).

[@herman66mi83]

@@clifford629 I agree. USAA use to be better until the “Bubble” financial crash. Now they farm out everything to Charles Schwab.

[@nimravus01]

The only USAA product I use anymore is the RewardsPlus card because it gives 5% back on gas.

[@Kevin-mk6jo]

I have the more rewards and flagship!! Thank you for covering them. I have been with them for 24 years!

[@nimravus01]

Nice! I JUST hit 20 years with NFCU, myself. (Signed up with them in boot camp.)

[@Kevin-mk6jo]

@nimravus01 great institution. They have always done right by me. I have 8 CDs with them, a money market account. And I always get very competitive rates. I don't have a car loan with them, but being pre-approved is a breeze.

[@Bellababe777-in2jp]

Tip: you can have $25-50 direct deposit to navy federal and the rest to another bank and you still get the 1.75% for cash reward card😊

[@ShannonLeeSD]

I just joined NFCU so this is a very timely video for me 😊

[@tbarbuto2345]

My biggest gripe with NFCU is not being able to automate payments from external banks, also the $50 redemption minimum is pretty steep.

[@chrismccray7425]

Another point on the Flagship Visa….. they also give statement credit for a year of Amazon Prime! $139 savings! Takes care of almost 3 years of membership fees.

[@CesarJoel]

Great cash back cards! The Flagship and MoreRewards are solid cards!

[@savvysouljarabroad]

I just became a member of NFCU. My niece was just awarded 20k credit limit with the cash rewards cc.

[@a3sully]

I started with the nRewards card November 2020 when I started my credit journey. $200 secured deposit. May 2021 graduated, got deposit back and increased to 2k. Have had a few increases since and product changed to Go Rewards, then product changed it to More Rewards card. Am up to 22k now with them. Am due in a few more weeks to ask for another increase. Been getting 6-8k increases each time. Not bad for starting out with $200 secured and going to $22k in like 2.5 years time.

[@ProudMoney]

Impressive!

[@a3sully]

@@ProudMoney they have been great to me. Customer service is excellent as well.

[@khatcher8699]

Do you have to wait till it graduates before trying to get a different card? I've had my secured card since August 2022 still hasn't graduated. I was thinking of just sitting for a new card just to see. What y'all think??

[@a3sully]

@@khatcher8699 I would send them message and see if they can review your account. They should be reviewing your account as well as credit profile every month after 6 months. They might not like something on your current credit profile such as high credit utilization, accounts in collections or late payments. If you have any of those, might need to focus on paying down debt or waiting a little bit with several on time payments before they graduate you. Or you have been overlooked for some odd reason and it's time for them to graduate. If they don't graduate you, they should state why. I wouldn't try for another card with them yet, because if you get denied, then you got an inquiry for nothing and might get approved for another secured card. Once they graduate you, that most likely means they would approve you for another unsecured card. It helps to use their products. I did shares pledge loans, direct deposit, and certificates while my card was still secured and that probably helped. They are big on relationships with them. I just got another increase a few days ago, am up to 30k.

[@OneUnderdog]

Totally motivated to clean up my Credit Score!

[@jimmyjames6492]

Can't beat the NFCU Flagship Rewards VISA + More Rewards AMEX for an incredible cash back set up for just $49 🏆🏆🏆 3X on restaurants, supermarkets, gas + travel. 2X on everything else. That's crazy good IMO.

[@thedon1570]

Don’t the big banks have 5% categories? That’s better no?

[@jimmyjames6492]

@@thedon1570 For sure - but they all come with either a cap for the 5% or it's limited to qtly rotating categories. I like the simplicity of the NFCU setup.

[@josephfriedrich9792]

​@@jimmyjames6492whats the trick to get you the 2% with the more rewards (

[@jimmyjames6492]

@@josephfriedrich9792 You won't be able to get 2% with the More Rewards. The More Rewards gets you 3X on restaurants, supermarkets, and gas. The Flagship Rewards gets you 3X on travel and 2X on everything else - essentially making it a 2% cash back setup (assuming you're taking the cash and not booking travel through the portal).

[@J0HN_3_16]

I want to commend you on analyzing NFCU cards that are rarely profiled by the KZbin credit card pundits. I hope you will evaluate many other credit unions' cards as well.

[@alolansandshrew1756]

I love NFCU! Also, happy Chase "5/24" day!

[@Whitepinoy]

If you get prequalify for all cards which card would you choice as your 1st pick ?

[@jimmyjames6492]

NFCU 🏆🏆🏆 Thanks for the info + video!

[@cazarilolsen4630]

Navy gave a crazy high credit limit. Not even I would have given myself the limit, I originally thought they made a mistake.

[@karentrueluck3326]

What was the credit limit?

[@WeAllWeGot333]

@@karentrueluck3326mines was 15k to start off it’s at 21.6K now

[@demetrisbradley11]

Wat was ur credit score??

[@brianstewart9470]

They do... first time applied with a 726 score i received a 25K platinum card..

[@Breakerisaac]

I enjoy NFCU and their credit cards are good I have the Cash rewards & Amex More rewards. I'm saving to apply for the platinum card for a rainy day, just in case.

[@crystalwarrington4352]

Navy Federal is a great credit union…agreed they give high credit limit

[@aaront936]

My nfcu more rewards card is my go to when the freedom flex doesnt have good categories.

[@derrickgentle7174]

Love Navy Federal, wish if I had join earlier in my military career but join back in 2020. Approved for 15,000 CL, now at 30,00 over 4 years.

[@evansymon5376]

I got the flagship and Amex combo

[@sideshowbri]

I think the cash rewards card might be my next card..points still confused me as i’m very new to credit.

[@caribdude8151]

Happy 5/24 Day Adam! (May 24)

[@alexguild]

Did you see the stories about overall Debt in the US ? One CBS title is "U.S. consumers have $986 billion in credit card debt " ? Crazy.

[@thedon1570]

Thanks Joe!

[@pixsilvb9638]

Yeah but thats how this country grows and the rest of the world is stagnant and wont advance in that regard; because everybody is afraid of credit cards for lack of financial education. Nobody teach you anything about banking, credit card culture, or financials abroad. I’m a foreigner, I know whst I’m talking about. My parents back home use credit cards like weapons out of the armory! My mom still thinks if the bank gives her 20 million pesos ($5,000 US dollars) credit card credit line she can literally expend that amount every month. They live in perpetual bankruptcy covering one credit card with the next one, and that one in turn with the next one, in a continuous crazy expenditure loop like there is no tomorrow. They never save money for anything because there is nothing left to save. They always expend the total 100% of the credit line like if thats the normal thing to do! Financial testing ground for nuts! 🤯 Believe me, here in the US there is financial culture everywhere; people has financial culture; since teenagers kids start saving in ETFs, Bonds, and building their Portfolios, and thats sets this country apart from the rest of the world and that is in part the reason why this country’s economy is the most powerful on Earth.

[@SpaceRanger187]

At least there are no mean tweets, glad people in Ukraine are eating and doing well.

[@itskat55]

Secured card great. Graduates to unsecured cash rewards card in 6mos. (5/19/23) client received higher limit.

[@khatcher8699]

I'm still waiting on my secured to graduate. I'm thinking of applying for a cash rewards.....

[@itskat55]

@khatcher8699 A note: if you've used the card responsibly, it will not be a problem. Otherwise, if its past the 6mo time frame, u might want give them a call. I would advise NOT to apply for anything until that card graduates. It helps your bank rating w/NFCU. Be patient. Hope this helps - (That'll be $20 plz 😎😊)

[@criticaldan8579]

@@itskat55Secured card, $200.00 x9 months, applied for flagship after 6 months, got it. Secure card still hasn’t graduated 😂

[@josephfriedrich9792]

Imagine if they bumped that 1x to 1.75 or 2x with direct depo on the more rewards amex. I still use my cash rewards for the everything at 1.75 for non 3x cats.

[@kis4beauty]

I commented this on another video but NF has been good to me. However, the points redemtion for the more rewards sucks because you have to bank 5000 points before you can redeem. So sucky... I tend to go for my capital one and chase cards due to the in cashback availability.

[@chrisbrown8748]

Haha I want a NAVY Fed credit card but unfortunately I completely yanked my credit score with one of their credit cards back when I was a active duty Marine and I don’t think they will ever do business with me again even though I’ve totally gotten my 💩 together.

[@SledgeIncTeam]

I would go inside and see if they will do business with you again. I messed up with Capital One, Target and Discover back in the day but they all gave me cards again

[@a3sully]

Won't hurt to try. You might need to pay off some debt that you had with them and they would give you another shot. They have great customer service and generous credit limits.

[@adriand.896]

I messed up my relationship with NFCU a long time ago with a few different products. If you pay everything off in full, you can do business with them again. A few weeks after paying off all old debts, I decided to try applying for a card and got an approval for an 18k line.

[@cardojp]

Great content as always, thanks Adam!!!

[@adelitavalle1852]

Member since 2000. Great C.U.

[@bilalhakeem8988]

Hi are you a actual actual NFCU member because there’s a lot of videos about NFCU Im actually a member of NFCU and there not all on the up & up as far as acurate information

[@Usertwoeight]

Care to expand? I’m an actual actual member too

[@Fernando-y1t]

There some are some videos that claim you can call NF and ask what your internal score is for example and that’s not true. I was informed that there are many videos with misinformation according to Navy Federal representatives

[@DukeB101]

Navy federal More Rewards Card vs Cash rewards Card. I’m trying to make the best decision. But want to know if I’m missing something. The more rewards card clearly has better bonuses. But I ever only hear anybody else talk about the cash rewards cards and it being the best to start.

[@SpaceRanger187]

go for the more rewards or the flagship

[@chrissychanel5837]

I think because that’s all they can get approved for right now.

[@mrmartin7131]

My question is when I did a pre qualification for the navy cards and I already have two one with a3500 limit and one with a 7500 limit,according to them they are saying that i still qualify for all the cards,why is that and my balance is high on both of them,I want to get a higher limit with the 7500 card but I’m not sure if I should just try a get the American Express card from them🤷🏽‍♂️?

[@khatcher8699]

Do you have to wait till it graduates before trying to get a different card? I've had my secured card since August 2022 still hasn't graduated. I was thinking of just sitting for a new card just to see. What y'all think??

[@Breakerisaac]

This is why a lady that worked there told me the fastest way to get a credit card there will be to have someone add u as an authorized user for 3 months and then apply. This is for people with no credit at all if you have credit already might apply for the cash rewards.

[@criticaldan8579]

Mine hasn’t graduated in 2 years but I have the flagship../crazy.

[@KailuaKid619]

I have a few cards that you didn't mention, the Penfed Promise card, and the Penfed Pathfinder card.

[@ProudMoney]

This video is only Navy Federal, PenFed is a different credit union.

[@thedon1570]

Can you not comprehend things? Seriously?

[@thedon1570]

It SAYS Navy Federal

[@coreygoree1256]

Lord have mercy he put the go rewards UNSECURED CC under a secured card 😡. Whats not being stated is that the More Rewards cc has a AMEX LOGO meaning it uses their payment system is not in the AMEX family. Every place does NOT except Amex bc their cc merchant fees are higher them V/ MC So understand this is his opinion but this is not a fact. The Go Rewards card is a very good card better then the Nrewards, better then the Navy Fed Silver card that is only good for 1 yr of transfer bonus, it's better then the cash Rewards card that only goes up to 2k. Navy Fed is coming out with a cash Rewards plus but 100% not better then the go rewards. Do not get the flagship cc if u don't travel. The go rewards card is a really good card again this video is his opinion

[@chrisb7366]

Flagship is crazy good!Amex is also great but it can be used only in the USA if your traveling around the world it’s useless.

[@Breakerisaac]

When I deployed out of the U.S. I used the cash rewards and more rewards cards, and they gave me no issues using it, how is it useless?

[@chrisb7366]

@@Breakerisaac I have had problems using the more rewards to be specific in Greece a lot of the business here don’t take it.

[@Breakerisaac]

​@@chrisb7366 That's right, not many take American Express. That's why I always travel with the Cash Rewards card in case they don't take Amex, since they always accept Visa or Mastercard you minimize the headache. Don't travel abroad without a Visa!

[@chrisb7366]

@breakerisaac that was my point exactly Amex is a great card!but outside the USA if not useless it has limited acceptance and yes Visa/Mastercard is the way to go worldwide it’s accepted everywhere!and back to my first statement the Visa Flagship is a great card to use traveling around the world it gives you 3 points for traveling and 2 points for everything else.

[@thedon1570]

Not really

[@shaquille6083]

If you plan on getting a higher limit what credit card is best?

[@zenvibes2529]

Flagship but only if you have high score

[@boatenthusiastandexplorer6961]

How many cards can you get

[@electroduval831]

3

[@boatenthusiastandexplorer6961]

@@electroduval831 nice appreciate that

[@boatenthusiastandexplorer6961]

@@electroduval831 do the business card counts as one of the 3 card limit or no

[@WeAllWeGot333]

@@electroduval831not true you can get all the cards the secured one doesn’t make sense tho

[@sinned96]

​@@WeAllWeGot333it is absolutely true you can have a Max of three cards Navy Federal that includes the secured card

[@businesstwentytwelve7615]

Do you say your name impossibly fast on purpose?

[@mikey4eva1980]

If you do a product change to Flagship- do you get Amazon Prime ?

[@thedon1570]

It literally says a SIGN UP BONUS.

[@ziggy29]

No. Product changes are pretty much never eligible for a sign-up bonus with any financial institution.

[@ngutz117]

Not true they gave me Amazon prime credit and tsa pre check but no bonus points.

[@lament666]

Any love for usaa credit card?

[@BigheroC]

No

[@lament666]

@@BigheroC dang

[@xbellabutterflyx]

@@lament666as an insurance agent I can say they are top notch on that at least for auto. But yeah I’ve looked into other things and it’s alright.

[@robring11]

Usaa is really just there for insurance. Last 10 years they've gone down hill. Usaa doesn't have the Capitol like navy fed

[@romangabriel007]

I love the credit union but their credit cards are pretty boring. Penfed has better credit cards imo.

[@berryzedzero]

Thank you for your service, but I’m out of the game.

[@thedon1570]

He didn’t say he was in the military..

[@berryzedzero]

@@thedon1570 he was in the federal navy

[@thedon1570]

@@berryzedzero if he can’t reply then it’s a lie. No thanks!

[@samr6148]

Great timing! Just opened an account to start a relationship with Navy Federal. This information on their credit cards is very helpful. Thanks!

[@thedon1570]

How do you know about these cards, were you family with someone who was in the military?

[@joemama69448]

Im on active duty and playing the credit card game, thanks for covering navy fed! 🫡

[@SpaceRanger187]

You need a Navy Fed and a USAA acct if your active