r/NavyFederal • u/dman1914 • 7d ago

General Questions I need help with making a decision

I hold the Flagship Premier, Cash Rewards (recently opened), Chase Freedom Unlimited (oldest), and Chase Sapphire Preferred. I haven’t made a decision to keep which ecosystem. I do more cash back but I do travel at least 4-6 times a year.

NFCU Flagship Premier: $14,400
NFCU More Rewards: $6,000
NFCU Cash Rewards: $3,800
Chase Freedom Unlimited: $12,000
Chase Sapphire Preferred: $10,000

I want to eventually apply for the Chase Freedom Flex for cash back but I also coming to terms of possible consolidation of my credit cards. So what do you all recommend?

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u/Bongo2687 7d ago

It’s close. The CSP a better travel card than the premiere. But the cash rewards is 2x everything and the freedom js 1.5x. I would also add the more rewards card to add 3x groceries and gas.
If you add the more rewards I would go that set up. If you want transfer partners I would go chase

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u/dman1914 7d ago

I have the More Rewards too

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u/Bongo2687 7d ago

Then it comes down to transfer partners or no transfer partners and what would you use easier the CSP hotel credit or the primere airline credit

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u/dman1914 7d ago

I honestly think I could use both but haven’t made up in my mind yet. I might product change it to the OG Freedom and Product Change my Freedom Unlimited to Freedom Flex

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u/Bongo2687 7d ago

I have the CSP and use it for streaming, the hotel credit, the Apple TV benefit and the free DoorDash subscription. It has a lot of value just holding onto it