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 https://www.navyfederal.org/products-services/cards/creditcards/nrewards.php
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. https://www.navyfederal.org/products-services/cards/creditcards/flagship.php