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

  • 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

Earn 1.5% cash back on purchases. Redeem as soon as you earn.

Annual Fee: $

0

Rate:

Variable APR

9.65% - 18.00%
Terms & Conditions for the cashRewards credit card.

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

8.99% - 18.00%
Terms & Conditions for the GO REWARDS® credit card.

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.

We're a Top 10 Credit Card Issuer in the U.S.5

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."6

-Navy Federal Member Dennis

How Do Our Cards Stack Up?

See how we performed in JD Power's 2020 Credit Card Satisfaction Survey.

Learn More at JD Power

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

View MoreCredit Card Basics
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Disclosures

1

For all Navy Federal Credit Cards: As of 05/16/2021, 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

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.

4

As of 05/16/2021, 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.

5

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

6

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.

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.