Hello everybody! 
I just wanted to thank everybody here on the forum for the good advice. My wife and I recently became members of Navy Federal and we applied for the Navchek LOC and the cashRewards card.
We were instantly approved for
22k on the cashRewards card
15k for the LOC (maximum limit)
I'm not sure how much the hard inquiries will have on my score but it'll be worth it in the long run. Thanks again everybody!