Another which card should I get now.

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Another which card should I get now.

Postby Rivian » Mon May 20, 2013 11:26 pm

Hey credit guru's,

Looking for that next card and thought I'd implore your collective knowledge.
Here's a quick rundown:

I'm 27 and do ok enough financially, sitting at somewhere 780+ for credit scores. I've had the same credit card for 7+ years it's one of these however in that time even though the 8.9%APR is nice (even though it doesn't matter), I've made maybe a total of 500$ in rewards off of it.
I use my credit card to buy all purchases and pay it off every month, I think I've paid a total of 10$ of interest since I've had it.

So what should I go for, I've been reading about all the cards out there and just not sure. A travel points would be nice, and cash backs always good. As far as concierge, it would be nice but I've gone this long without it so not even sure how often I would use it. I would rather not pay a fee, but will if it's really worth it.

Another thing that's made it tough is I just bought a engagement ring, normally not a big deal, but the loan I thought I was getting ended up being a wells fargo credit card with no benefits and now has 7K$ on it's balance. So now I have this card I don't want that does nothing for me, so I would like to transfer this balance. Also, should I keep this card and just not use, or cancel since it's been open <1 month and going to do nothing for me?

Really appreciate any reply's to this.

Was thinking this might be good? Come from NFCU which is my main bank, just not sure if it's better/worse then anyone else's travel card.

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Postby MemberSince99 » Tue May 21, 2013 8:40 pm

That NFCU travel card you listed looks like a very nice card. Cheap annual fee, about as cheap as a travel card gets. You would get a Visa Concierge with that as a signature card as well, no extra cost so if you don't use it, it didn't cost you anything.

I would consider that. On the FICO forum I've read literally NOTHING but glowing praise for NFCU. Can't say I've ever used them so I can't tell you more than that.

It really comes down to which perks you want and what you are willing to run through the card and pay for the perks (generally the more the rewards/perks the more you pay as a fee). You haven't said anything about how much you plan to travel and spend and what perks are important so we can't really give you meaningful advice without knowing that.

But that NFCU travel card looks very nice.

If you want top of the line perks and lounge access and all that you could pay 450 a year for Amex Platinum. Doesn't sound like that's of interest to you but I'm only guessing. Their PRG card is 175 a year.
Discover offers a decent travel card (Escape) with a 60 dollar yearly fee.

CSP (Chase Sapphire Preferred) is 95 a year and is highly regarded as well.

I also have the BofA travel rewards Visa Signature with no yearly fee it offers fewer perks than the others but you can't beat the no annual fee with a concierge.

Just all depends on your desired perks/spend level and needs/wants. I hope you find this helpful.

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Joined: Sat May 18, 2013 1:45 am
Location: USA

Postby Rivian » Tue May 21, 2013 11:10 pm

That's kinda what I'm leaning towards currently. Travel seems to be what I am leaning towards, obviously anyone can benefit from cash-back but it doesn't seem like you can get as much for your dollar. The Mrs. and I are probably looking at 2-3 flights a year, with at least one of which being international.

I spend around 2.5k a month on my current card, on average. The Amex Plat is probably less then worth it for me, but the others will be worth looking into.

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Postby hwturner » Mon Sep 09, 2013 9:19 pm

If you want the flagship card you can always just do a product change. It's super easy. That way you can get a different card and diversify your wallet if you want. NFCU's cards really can't be beat. They are so fair about everything and they are always improving their existing cards.

Just an FYI. The cashRewards Visa was recently upgraded to a signature card so it shares all of the same features as the flagship card. The other thing that differs is the fee but you also get twice the points/cash and some flexibility of rewards. (flight/cash/merchandise)
NFCU Visa Signature Flagship $8.5k
Home Depot Consumer Card $2.5k
PNC Bank Card(AU) $2.5k
AMEX BCE $2.5k
Discover IT $3.5k
Chase Slate $5.4k

Experian: 771
Transunion: 715
Equifax: 680 (as of 08/01/2013)

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