Do You Prequalify?

If you are already a member, you can find out if you prequalify for a credit card before you submit an application. This won't affect your credit score.

Prequalify Me for a credit 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 FICO® credit score2
  • Low rates: An average credit card APR that's 5% lower than the industry average3

Learn More about the benefits of a Navy Federal credit card

View Credit Card Agreement

Browse Our Cards

At a Glance

Minimize monthly payments with our lowest-rate card.

Annual Fee: $

0

Rate:

Variable APR

5.99% - 18.00%
Terms & Conditions for the Platinum credit card.

At a Glance

Build or repair your credit while earning rewards.

Annual Fee: $

0

Rate:

Variable APR

18.00%
Terms & Conditions for the nRewards® Secured credit card.

How Do Our Cards Stack Up?

Our members have great things to say! See how we performed in JD Power's 2020 Credit Card Satisfaction Survey.

Learn More about our cards

Business Credit Cards

Our business credit cards offer rewards as well as single or joint accounts, and none of them carry an annual fee.

Learn More about our Business Credit Cards

Cardholder Resources

View MoreCardholder Resources

Credit Card Basics

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Disclosures

1

For all Navy Federal Credit Cards: As of 01/10/2021, 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.

2

FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

3

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.

4

As of 01/10/2021, 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 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.