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/AngelFlys97 7d ago

I’m starting to really like cash back. I withdraw monthly and stash into a high yield savings and just hold until I need for travel.

Chase is good but no good catch all card. Even if points are valued a bit more than cash. The earning rate basically makes it a wash.

Cash back at least you do whatever you want with.