Credit Cards
Earn Up to 1.75% Cash Back
Earn Up to 1.75% Cash Back
Plus, get $250 bonus cash back with our new cashRewards card.
Included With All Navy Federal Credit Cards
- 24/7 access to stateside member reps
- Zero Liability policy for unauthorized transactions
- No balance transfer or foreign transaction fees1
- Fraud notifications*
- Ability to freeze and unfreeze your card
- Access to your credit score
- Low rates: An average credit card APR that's 5% lower than the industry average2
We're a Top 10 Credit Card Issuer in the U.S.4
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."5
How Do Our Cards Stack Up?
See how we performed in JD Power's 2020 Credit Card Satisfaction Survey.
Making Members a Priority
We ranked #1 for customer experience among credit card issuers in Forrester's 2021 U.S. CX Index™ Survey.6
Business Credit Cards
Our business credit cards offer rewards as well as single or joint accounts, and none of them carry an annual fee.
Cardholder Resources
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Redeem Credit Card Rewards
Get the most out of your credit card. Redeem your rewards now.
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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.
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Get Your Credit Score
Stay on top of your credit. Sign in to your Navy Federal account to easily view your credit score.
Learn Moreabout Get Your Credit Score
Credit Card Basics
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How to Apply for a Credit Card
Demystify the application process. Learn how to apply, how long the process takes and what the impact will be on your credit.
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How Credit Cards Work
Credit cards are valuable tools to establish and build credit. Learn how they work and how to use them responsibly.
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Understanding Credit
Visit MakingCents to learn what affects your credit score and how you can build a strong credit history.
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Balance Transfers
Learn how you can move your current credit card balance to a Navy Federal card to consolidate debt and potentially lower payments.
Learn Moreabout Balance Transfers
Disclosures
For all Navy Federal Credit Cards: As of 10/26/2021, rates range from 5.99% 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 internal comparative analysis of the average advertised credit card industry APR and the average "as low as" APR for Navy Federal Credit Cards. The 2020 industry average was obtained from creditcards.com. Introductory rates are not included in the calculations.
↵As of 10/26/2021, rates range from 9.65% APR to 18.00% APR, are based on 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.
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 highest CX Index™ score, the highest performance rating in customer service, clearcommunication, as well as the highest performance rating for providing transparent prices/rates/fees, and the highest customer recommendation score among multichannel banks in Forrester's proprietary 2021 CX Index™ survey. The ranking was based on responses from 13,443 US individuals measuring 18 brands in the industry.
↵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.