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

Browse Our Cards


At a Glance

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

  • Getting Cash Back

Annual Fee: $0 Rate: Variable APR 11.40% - 18.00%

Terms & Conditionsfor the cashRewards credit card.
  • Getting Cash Back

Navy Federal More Rewards American Express® Card

At a Glance

Maximize your everyday spending with 3 points at supermarkets, 3 points at gas stations, 2 points at restaurants and 1 point on everything else

  • Everyday Spending

Annual Fee: $0 Rate: Variable APR 11.40% - 18.00%

Terms & Conditionsfor the More Rewards American Express credit card
  • Everyday Spending


At a Glance

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

  • Busy Lifestyle

Annual Fee: $0 Rate: Variable APR 10.74% - 18.00%

Terms & Conditionsfor the GO REWARDS credit card.
  • Busy Lifestyle


At a Glance

Minimize monthly payments with our lowest rate card.

  • Large Purchases Paid Off Over Time

Annual Fee: $0 Rate: Variable APR 7.74% - 18.00%

Terms & Conditionsfor the Platinum credit card.
  • Large Purchases Paid Off Over Time

nRewards® Secured

At a Glance

Build or repair your credit while earning rewards.

  • Building Credit

Annual Fee: $0 Rate: Variable APR 10.74% - 18.00%

Terms & Conditionsfor the nRewards Secured credit card
  • Building Credit

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

Redeem Rewards

Get the most out of your credit card. Redeem your rewards now.

Learn More about Redeem Rewards

Member Mall®

Use your credit card to shop our online Member Mall. You’ll get higher rewards just for purchasing through Member Mall, free shipping from certain retailers, exclusive offers and other perks.

Learn More about Member Mall®

FICO® Score

Stay on top of your credit. Sign in to your Navy Federal account to easily view your FICO score.

Learn More about FICO® Score
View More Cardholder Resources

Credit Card Basics

Credit Card Application Process

Demystify the application process. Learn how to apply, how long the process takes and what the impact will be on your credit.

Learn More about Credit Card Application Process

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 More about 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 More about 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 More about Balance Transfers
View More Credit Card Basics


1For all Navy Federal Credit Cards: Currently, rates range from 7.74% 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.

2FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

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.