Credit Cards
Earn 25K Bonus Points (a $250 Value) With the More Rewards Card
Earn 25K Bonus Points (a $250 Value) With the More Rewards Card
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
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 FICO® Score
Stay on top of your credit. Sign in to your Navy Federal account to easily view your FICO Score.Learn Moreabout Get Your FICO® 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.Learn Moreabout How to Apply for a Credit Card -
How Credit Cards Work
Credit cards are valuable tools to establish and build credit. Learn how they work and how to use them responsibly.Learn Moreabout How Credit Cards Work -
Understanding Credit
Visit MakingCents to learn what affects your credit score and how you can build a strong credit history.Learn Moreabout Understanding Credit -
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 03/02/2021, 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.
↵FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.
↵Dollar value shown represents the results of the 2019 Navy Federal's Member Giveback Study. The Member Giveback Study is an internal comparative market analysis of Navy Federal's loan and deposit account rates as compared to the national average for similar products. Credit card value claim based on an internal comparative analysis of the average credit card industry APR to the Navy Federal average APR in 2019. The 2019 industry average data was obtained from creditcards.com.
↵As of 03/02/2021, 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.
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 some minor clerical revisions to ensure readability, add context, or protect private information.
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.