To continue enjoying all the features of Navy Federal Online, please use a compatible browser. You can confirm your browser capability here.

Low Intro APR Balance Transfer + Earn 30K Bonus Points

Low Intro APR Balance Transfer + Earn 30K Bonus Points

With a More Rewards Card, you could get a low intro APR on balance transfers for 12 months, plus earn 30K bonus points by spending $3K in your first 90 days. And, one year of Walmart+.

Browse Our Cards

At a Glance

Earn more when on the go. Get 3X points at restaurants, 2X points on gas and 1X points on everything else.

Annual Fee: $

0

Rate:

Variable APR

15.24% - 18.00%
Terms & Conditions for the GO REWARDS® credit card.

Get a low intro APR on purchases for 6 months.

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.

Do You Prequalify?

If you're 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

  • An average credit card APR that’s 6.81% lower than the bank industry averageFootnote 2
  • No balance transfer or foreign transaction feesFootnote 1
  • 24/7 help from our U.S.-based member service team 
  • Access to your credit score
  • Zero Liability policy for unauthorized transactions
  • Ability to freeze and unfreeze your card
  • Fraud notifications*
  • Use your credit card before it arrives in the mail if you qualify for a digitally issued card

Learn More about the benefits of a Navy Federal credit card

View Credit Card Agreement

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

-Navy Federal Member Dennis

How Do Our Cards Stack Up?

See how we performed in J.D. Power’s 2022 Credit Card Satisfaction Survey.

Learn More at JD Power

Making Members a Priority

We ranked #1 for customer experience among credit card issuers in Forrester’s 2022 U.S. CX Index™ Survey.Footnote 5

 

Learn More about the award from Forrester

Cardholder Resources

View MoreCardholder Resources

Credit Card Learning Center

View MoreCredit Card Learning Center
No product selected
No product selected
No product selected

Disclosures

1

As of 10/07/2024, nRewards® Secured card rate is 18.00% APR and will vary with the market based on the US Prime Rate. All other Navy Federal credit card rates range from 11.99% APR to 18.00% APR, are based on product type and creditworthiness, and will vary with the market based on the US 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

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 2023. The 2023 bank industry average data was obtained from the Federal Reserve’s G.19 Consumer Credit data release.

 

3

Claim based on the Nilson Report published February 2021, which ranks card issuers on balances outstanding as of year-end 2020.

4

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.

5

CX Elite brands are ranked among the top 5% of the 221 Brands covered in Forrester's proprietary 2023 CX Index™ survey. The ranking was based on responses from 165,545 survey responses for the market. 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.