Credit Cards
Do You Prequalify?
If you’re already a member, you can find out if you prequalify before applying for a Navy Federal credit card.
This won’t affect your credit score. A prequalification doesn’t guarantee approval when you apply. When you apply, we also consider factors such as your monthly debt-to-income ratio.
Business Credit Cards
Our business credit cards offer rewards as well as single or joint accounts, and none of them carry an annual fee.
Included With All Navy Federal Credit Cards
- 24/7 help from our US-based member service team
- No balance transfer or foreign transaction feesFootnote 1
- An average credit card APR that’s 7.25% lower than the bank industry averageFootnote 2
- Use your credit card before it arrives in the mail if you qualify for a digitally issued card
- Tap to Pay
- Access to Your Credit Score
We’re a Top 10 Credit Card Issuer in the U.S.Footnote 3
See What Our Members Have to Say
“Navy Federal has been our choice for over 30 years. Hard to believe they can get any better, but they do.”Footnote 4
How Do Our Cards Stack Up?
See how we performed in J.D. Power’s 2024 Credit Card Satisfaction Survey.
Making Members a Priority
We ranked #2 for customer experience among credit card issuers in Forrester’s 2024 US CX Index™ Survey.Footnote 5
Keeping Your Credit Card Secure
We’re your partners in card security. Here are some of the features that help keep your account safe.
- Ability to Freeze and Unfreeze Your Card. Misplace your card? Use our mobile app* to freeze it so no one else can use it.
- Fraud Notifications. We’ll notify you of any suspicious activity, so you can quickly take action to protect your account.*
- Zero Liability Policy. Your card is protected by our Zero Liability policy, which means you won’t lose a cent due to confirmed unauthorized transactions.
Cardholder Resources
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Redeem Credit Card Rewards
Get the most out of your credit card. Redeem your rewards now.
Learn More about Redeem Credit Card Rewards -
Adding an Authorized User to Your Credit Card
As a credit cardholder, you can add your spouse, family member or anyone else as an authorized user on your account.
Learn More about Adding an Authorized User to Your Credit Card -
Member Deals
Use your credit card to shop our online Member Deals. You'll get higher rewards just for purchasing through Member Deals, free shipping from certain retailers, exclusive offers and other perks.
Learn More about Member Deals
Disclosures
As of 07/24/2025, cashRewards Secured card rate is 18.00% APR and will vary with the market based on the U.S. Prime Rate. All other Navy Federal credit card rates range from 10.99% APR to 18.00% APR, are based on product type and creditworthiness, and will vary with the market based on the U.S. Prime Rate. ATM cash advance fees: None if performed at a Navy Federal branch or ATM. Otherwise, $0.50 per domestic transaction or $1.00 per foreign transaction. $49 annual fee for Visa Signature® Flagship Rewards.
↵Credit card value claim based on an internal analysis of Navy Federal’s average credit card APR assigned to members compared to the bank industry average credit card APR in 2024. The 2024 bank industry average data was obtained from the Federal Reserve’s G.19 Consumer Credit data release.
↵Claim based on the Nilson Report published February 2021, which ranks card issuers on balances outstanding as of year-end 2020.
↵The views expressed in the reviews are solely those of the individuals posting them. The testimonials are substantively the words of the individual reviewer, but may have undergone minor clerical revisions to ensure readability, add context, or protect private information. Any imagery displayed is for decorative purposes only and is not necessarily associated with the reviewer.
↵Navy Federal Credit Union received the second highest Customer Experience Index scores among credit card issuers in Forrester’s proprietary 2024 U.S. Customer Experience Index rankings. The ranking was based on Forrester’s Customer Experience Index Scores, derived from Forrester’s Customer survey of 11,109 U.S. online consumers measuring 15 credit card issuers from February to April 2024. Customer Experience Index scores for individual Multichannel Banks reflect the average scores across all customers ratings for that brand. Forrester Research does not endorse any company included in any Customer Experience Index report and does not advise any person to select the products or services of any particular company based on the ratings included in such reports.
↵The Navy Federal More Rewards American Express® Card is issued and administered by Navy Federal Credit Union. American Express is a federally registered service mark of American Express and is used by the issuer pursuant to a license.