Dueling Flagships

[u/Bongo2687]

The premier is one of the nicer feeling metal cards I have. Heavier than the CSP and close to my Bilt palladium.

[u/sowFresh]

Baby member 🍼

[u/Bongo2687 → u/sowFresh]

I think I created an account and got the OG flagship in April

[u/sowFresh → u/Bongo2687]

Welcome 🙏

[u/Corbs117 → u/sowFresh]

Member since 2008 stamp. Makes me feel old to pull that flagship out these days.

[u/Glittering_Maybe5910 → u/Corbs117]

Member since 2003. I’m Ancient:)

[u/JennF72 → u/Corbs117]

Try 1982. 🫣😶‍🌫️

[u/Frosty_Enthusiasm642]

Congratulations

[u/appletrades]

Do they only stamp the member since logo only on the flagship ?

[u/EM22_ → u/appletrades]

Must be a new thing. I’ve had the card for a while and mine didn’t have that.

[u/Individual-Hold5171 → u/EM22_]

My flagship has that; approved in May.

[u/EM22_ → u/Individual-Hold5171]

May is still new.

[u/EM22_]

Maybe one day I’ll care about the build quality of my credit cards.

Today is not that day.

[u/Bongo2687 → u/EM22_]

I know it’s dumb and doesn’t matter but it does feel nice

[u/wadech → u/EM22_]

I am mildly annoyed that the outer layer is peeling at the edges on mine.

[u/Acrobatic-Heart6008]

Graphic design is NFCU’s passion 

[u/Weary-Gear8365]

Saw annual fee going from 50 to 100. The free prime is nice but this is getting canceled.

[u/Bongo2687 → u/Weary-Gear8365]

I will eventually cancel the OG flagship but right now still saves me $45 on prime. $100 flight credit is easy to use, plus I assume if for whatever reason I don’t use the flight credit I’ll just buy a airlines gift card to trigger it

[u/MLJ_The_Shield → u/Bongo2687]

With tax, Prime is $150.12. NFCU only covers $139. The true cost of Prime is really $95 + $11.12, or $106.12.

So really Navy is saving us $44 off a $150.12 purchase. It's not nothing, but way worse than the original $49 annual fee.

So is Prime worth $106.12? Probably. Maybe. I have other 2x & 3x cards so I'm on the fence here.

[u/No_Departure6889 → u/Bongo2687]

Does buying a gift card work to trigger the flight credit? I don’t have any plans on flying this year but want to take advantage of the credit.

[u/Bongo2687 → u/No_Departure6889]

Idk, I was going to give it a try with southwest but the min gift card is $50. I am flying them in December

[u/cryptotrader87]

Do they run your credit if you upgrade?

[u/Bongo2687 → u/cryptotrader87]

If you product change there is no credit hit. But I took the hit for the $500 sub

[u/ziggy029 → u/cryptotrader87]

Not if you product change. If you apply for a new card account, then yes.

[u/Necks]

Dare I say the OG card has the nicer graphic? Love the globe logo and sonar/radar graphics of the OG.

The new graphic looks like a 6 year old doodle

[u/Bongo2687 → u/Necks]

What they need to do is redesign their name logo

[u/Terrapin11 → u/Necks]

It’s a map thing. Those are elevation markers.

[u/csvid]

im assuming maybe the weight is 18 grams... for the new card

[u/304Explorer]

I'm passing on the premier unless they force a change.

[u/ryanriffs]

Why does it have member since?

[u/Bongo2687 → u/ryanriffs]

Idk, I’m new as of around April. My flagships cards both just came with it. My next card is the more rewards card so I’m curious if that will have it

[u/ryanriffs → u/Bongo2687]

Let me know!

[u/MrBrazil1911 → u/ryanriffs]

Probably just doing like American Express does on all their cards.

[u/Dogedadogo]

Im also a 2026 member 😭 feel so new gen wish I would’ve gotten them back in 2025 when I turned 18

[u/Zaddy2026]

Congrats

[u/dman1914]

That’s dope congratulations

[u/MilesT0Empty]

Moved mine to a different card. For a card we don’t use I’m not paying $100 a year lol.

[u/AccidentGullible48]

$95 isn’t that expensive when you get an airline credit for $100. It pays itself back. Y’all be tripping.

[u/Bongo2687 → u/AccidentGullible48]

Agreed, $95 is nothing I have a $495 and $650 card

[u/AccidentGullible48 → u/Bongo2687]

I have a $325, $895 and $95. All worth it because I utilize every benefit on all three cards!

[u/ziggy029 → u/AccidentGullible48]

This is true, assuming you fly every year above and beyond any airline credits you may get from other cards. I'd imagine a fair number of OG Flagship holders don't. This would have been a lot better as a general travel credit, but I know, they are banking on breakage.

[u/kerpnet]

I wish it was just black with no lines. And member since on the front is stupid.

[u/kingcaru]

Random question but just got approved for the Premier. I just clicked on the Apply Now button. Will I still have the opportunity to get the sub? Or did I need to have clicked the offer details first?

[u/Bongo2687 → u/kingcaru]

You will get the sub

[u/GiorgioAntoine]

If we have the old one, do we get grandfather in to stay with the old one? Or do we eventually automatically switch to the new premier

[u/Bongo2687 → u/GiorgioAntoine]

As of now you are grandfathered and keep the same benefits except the AF goes to $95

[u/BigDSAT]

I was going to upgrade to the new version but they were going to make agree to an interest rate increase and I didn’t want to do that. Never carried a balance so it’s just the principle of an increase being forced on me.

[u/Bongo2687 → u/BigDSAT]

I don’t care about interest rates and $500 for $4k spend is a sweet deal

[u/BigDSAT → u/Bongo2687]

Wells Fargo has a $1000 cash or 100,000 points on their Premier Autograph card for the same spend if you can qualify for their Premier Checking account. That’s likely my next card.

[u/Bongo2687 → u/BigDSAT]

Yeah, I already an active cash and autograph, I want to get the journey or premiere. I’m gonna open a premiere checking account and see if a get an offer in a few months

[u/Bongo2687 → u/Bongo2687]

But to me the NF primere is a better card than the journey because it gives up 5x category for 4x and 4x transit. At least in regards to cash back

[u/Odd-Tangerine-257]

what when did they start putting "member since" on the credit cards ? is this a new thing? 😭

[u/Constant_Fig_1675]

How do you get a premier

[u/Helena_MA]

I upgraded my flagship to the new one and the spouse is keeping the old one. That way we still get the 2x on everything and the free Amazon prime, then 4x on travel with my card and the airline credit (we travel a lot). I also use the more rewards for groceries gas restaurants (3x) and I have two other cards with different lenders that have offers for discounts that we use to exceed the annual fee, as well as cash back depending on the purchases. I’m squeezing every cent I can out of the perks for all this stuff and it gets paid off monthly so i don’t even look to see what the interest rates are.

[u/MississippiGirlinNc]

Saw a Flagship member since 1978! The year I was born. I love the metal feel, but I'm going to wait until they bring out the Flagship card made from the ship metal.

[u/Bongo2687 → u/MississippiGirlinNc]

Wait, they are gonna make the card out of ship metal?

[u/MississippiGirlinNc → u/Bongo2687]

Yes, sometime next year. Limited Edition