Navy Federal Credit Union (NFCU)

Navy Federal Credit Union (NFCU)


I received an offer that appears to be a targeted promotion:

“Earn 5% bonus cash back on purchases of $500 or more you make with your cashRewards credit card from Nov. 1 to Dec. 31, 2018. That’s in addition to the 1.5% cash back you normally earn for your purchases.”

This is for single purchases of $500 or more only.


Crud. This is only for the no fee card, not the Flagship VISA. Might be worth getting that card just for this though if I could get the deal. I’m doing a Roth conversion soon and need to pay tens of thousands in Q4 estimated taxes. 6.5% back makes the 1.85% fee less daunting.


This changes my plans. I’ll use my existing card for big purchases like rent for the next month and then apply for the Flagship card toward the end of December, depending upon the experiences you guys tell me you’ve been having with the Flagship rewards and bonus.


Everyone should already know this by now; calling kills the deal.


Argyll , how do you know that the CR offer was targeted?




I received an email which cited my existing card number. According to NFCU reps the offer is available only to select current cardholders.

I was selected probably because I haven’t used the card for over a year.


I wish I got your offer instead of a 0% APR. Also haven’t used mine in over a year.


So far so good. Some things the T&Cs imply cannot be used towards bonus spend or earning bonus actually are working quite nicely.


Continue to take gas . . . so far. I have stopped using the card. Will let you know if things change. But so far no rewards given in return for my big spend. Major flop. Wiped out.:frowning_face:


Are the non-rewards items of your spending specifically on the non-reward list?


No. But it is what I would label “unconventional” spending. It is what I have been doing since last spring, with a large measure of success elsewhere, in order to boost my spend and collect rewards. Said another way:

The NFCU disallowed spending categories resemble those of many other domestic CC issuers. I have gotten away with my unconventional spending with a large number of those other CC issuers. It’s not working with Flagship, at least not so far.

I decided to take my loss at NFCU. I sent them a “good faith” payment, a large payment, completely paying off the card. They promptly slapped a hold on my payment; so far it has been nearly a week. Once that hold comes off, in acknowledgment they finally realize they have good funds, and if I still do not have my reward at that point, I will telephone them and bellyache. Doubt it will do much good. Probably will just have to take my loss.

Finally, I am by now convinced NFCU classified my big spend as a purchase, not as a CA. So I’m guessing their list of disallowed purchases is longer than what they reveal. They might be playing by “Singapore rules”, if you remember my thread regarding what is happening in Singapore. I say that because my big spend is on that Singapore list, which as you may recall is a very long list.


As I understand it, you opened the card three weeks ago and it’s your first card with NFCU. It should be no surprise that after immediately making large charges and then submitting a large payment and making more large charges within a 2 week period, the payment is on hold and maybe the rewards, too.

When I opened an account with Alliant, the funds I deposited were on hold for 14-30 days: for savings and checking accounts.


I really do not disagree, Argyll. This stuff, all of it, varies SO MUCH from card to card. Some issuers, well, most issuers, are pretty trusting . . . at least in my experience this year. When they trust there is no hassle.

But I agree, this is not the first time I’ve had a payment placed on hold, for example. Again, policies vary all over the place from one CC issuer to another. Outcomes are unpredictable.

I’ve not prior had rewards themselves withheld, though. But I suppose there is a first time for everything.

I mean, think about it: NFCU deals primarily with a military clientele, not as much with the population at large. Military folks tend to be more straight arrow than the hoi polloi. So I would have anticipated NFCU to be more trusting than other CC issuers with whom I recently have done business. But that is not how I have found things to be at NFCU.

What can I tell you? All the CC issuers are different. You have to take 'em as they come.


Remember the military is made up of largely 18-20 yr olds with their first exposure to a paycheck and available credit. So while they may be “straight arrow”, fiscally responsible is not always the case. If you drive around base housing, there is a lot of brand new $40k-$60k pickups sitting in the driveways.


Agreed. I should have been more specific. I’m a senior citizen. I was not taking into consideration military recruits or the very youngest people in the military generally. I continue to believe military people of early middle age and older tend to be more straight arrow.

Also, NFCU knows my age. There are fewer older crooks as a percentage, military or not, than younger crooks.


Pay the bill yourself, then send payment confirmation to bank for reimbursement out of your escrow account. If they already paid, request a refund from the city. Use this as an opportunity to request them waiving the escrow requirement.


I’ve done that before and it took over a month to get my money back from the city. I vowed never to do that again. I really should let the bank make their own mistakes. But I’m not a deadbeat so I can’t help myself from butting in.


Shinobi, don’t be so quick to give up or write off rewards. I stress, be patient, especially with new cards until you learn their specific habits. For some issuers they take longer to post. I have had many new cards where I’ve had my first $2k purchase flagged for potential fraud and they’ve rejected those purchases until I verify it was me. It is also not uncommon for rewards to not post until the end of the billing cycle. In the case of initial signup bonus rewards, it’s also not uncommon to take 2 or 3 billing cycles for rewards to post.

I know you want immediate rewards, no hassle, and expediency, but in the case of credit card rewards, usually I wait at least 1 billing cycle for expected rewards to post and at least 2 cycles for signup bonuses before thinking about calling. It’s not abnormal. This is especially true if your high transaction purchases may be considered fraudulent and under manual review.

One current example: I have a business card from Wells Fargo, where 50k points are showing as rewards ($500 cash back bonus) from my $5k spend where the 2% cashback on purchases has already posted and automatically applied, but they say the 50k points for the signup bonus will not be automatically applied as cashback for another 90 days! I only called simply to ask if the bonus would be automatically applied as cashback or if I could deposit to an account. That’s when they mentioned the 90 day period, specifically for their bonus.


Thank you, Corndogg. I am respectful of your opinion and I appreciate your post.

My situation with NFCU Flagship at this point is as follows:

I received my rewards for small purchases almost immediately. I still have not received my reward for a single large purchase. My statement closed a week or more ago. I paid off the card prior to statement closure in accord with Argyll’s teachings. This means I have paid back the large charge I made to the card. My payment to NFCU was placed on hold for roughly a week. But now that hold has expired meaning they know my payment was good and they have accepted my payment and restored my credit line in full.

However, as of earlier today, they still have not credited me with the reward I should have earned for that large purchase.