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Get Up to 2% Cash Back

Get Up to 2% Cash Back

Earn $200 cash back when you spend $2K within 90 days of account opening with cashRewards Plus and cashRewards. 

Browse Our Cards

At a Glance

Introducing cashRewards Plus—make the most of all your purchases with unlimited 2% cash back! Or, earn unlimited 1.5% cash back with our cashRewards card. View card details to learn more.

Annual Fee: $

0

Rate:

Variable APR

15.40% - 18.00%
Terms & Conditions for the cashRewards credit card.

Earn $200 cash back when you spend $2,000 within 90 days of account opening. Plus, get a $98 statement credit for Walmart+.

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

14.74% - 18.00%
Terms & Conditions for the GO REWARDS® credit card.

Get a low intro APR for 6 months from account opening on purchases.

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 before applying for a credit card. This won’t affect your credit score. A prequalification does not guarantee approval when you apply. When you apply, we also consider factors such as your monthly debt-to-income ratio.

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 US-based member service team 
  • Use your credit card before it arrives in the mail if you qualify for a digitally issued card

More Credit Card Features 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 2024 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

Keeping Your Credit Card Secure

We’re your partners in card security. Here are some of the features that help keep your account safe.

  • Ability to Freeze and Unfreeze Your Card. Misplace your card? Use our mobile app* to freeze it so no one else can use it. 
  • Fraud Notifications. We’ll notify you of any suspicious activity, so you can quickly take action to protect your account.*
  • Zero Liability Policy. Your card is protected by our Zero Liability policy, which means you won’t lose a cent due to confirmed unauthorized transactions.

Get more tips on protecting yourself from credit card fraud 

Credit Card Resources

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Disclosures

1

As of 12/12/2024, 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 11.49% 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.