Credit Cards
Make Your Season Brighter
With a Low Intro APR
Make Your Season Brighter
With a Low Intro APR
Earn points on your holiday shopping and get a 1.99% intro APR for 6 months from account opening on purchases with a GO REWARDS® card. After that a variable APR between 11.99% and 18% applies.
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.
Learn Moreabout Redeem Credit Card Rewards -
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 Moreabout Member Deals -
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.
Learn Moreabout Understanding Credit -
How to Do a Balance Transfer
Learn how you can move your current credit card balance to a Navy Federal card to consolidate debt and potentially lower payments.
Learn Moreabout How to Do a Balance Transfer
Disclosures
As of 11/30/2022, nRewards® 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 8.99% 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 11/30/2022, rates range from 12.65% 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. Limit of one promotional offer at account opening. Navy Federal reserves the right to change or end this offer at any time without notice.
↵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 among banks multichannel in Forrester's proprietary 2022 CX Index™ survey. The ranking was based on responses from 12,129 US individuals measuring 17 brands in the industry. The proprietary survey results are based on consumers' opinions of the experiences with the brands in the survey. Forrester Research does not endorse any company included in any CX 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.