What's more important to you?

Find the card that best fits your lifestyle

Are you interested in rewards in addition to low rates?

Are you also interested in rewards?

What kind of rewards are you most interested in?

Are you also interested in merchandise or just cash back?

Would you pay an annual fee to receive enhanced benefits and rewards?

How's your credit?

How's your credit?

How's your credit?

How's your credit?

How's your credit?

For you we recommend:

Visa Signature Flagship Rewards

  • 3X points on Travel, 2X points on everything else 1
  • Get access to luxury hotel discounts and concierge services
  • Receive statement credit (up to $100) for Global Entry or TSA Pre✓®2
  • 3X points on Travel, 2X points on everything else 1
  • Get access to luxury hotel discounts and concierge services
  • Receive statement credit (up to $100) for Global Entry or TSA Pre✓®2

View the details page for the recommended Visa Signature Flagship Rewards credit card.

  • 3X points on Travel, 2X points on everything else 1
  • Get access to luxury hotel discounts and concierge services
  • Receive statement credit (up to $100) for Global Entry or TSA Pre✓®2

For you we recommend:

Navy Federal More Rewards American Express® Card

  • 3X points at supermarkets
  • 3X points at gas stations
  • 2X points at restaurants
  • 1X point on everything else 3 1
  • 3X points at supermarkets
  • 3X points at gas stations
  • 2X points at restaurants
  • 1X point on everything else 3 1

View the details page for the recommended Navy Federal More Rewards American Express® Card credit card.

  • 3X points at supermarkets
  • 3X points at gas stations
  • 2X points at restaurants
  • 1X point on everything else 3 1

For you we recommend:

GO REWARDS®

  • 3X points at restaurants
  • 2X points on gas
  • 1X point on everything else4
  • 3X points at restaurants
  • 2X points on gas
  • 1X point on everything else4

View the details page for the recommended GO REWARDS® credit card.

  • 3X points at restaurants
  • 2X points on gas
  • 1X point on everything else4

For you we recommend:

cashRewards

  • 1.5% cash back on purchases1
  • Start redeeming rewards as soon as you earn them
  • 1.5% cash back on purchases1
  • Start redeeming rewards as soon as you earn them

View the details page for the recommended cashRewards credit card.

  • 1.5% cash back on purchases1
  • Start redeeming rewards as soon as you earn them

For you we recommend:

nRewards® Secured

  • 1 point per dollar spent1
  • Redeem points for cash back, gift cards and merchandise
  • 1 point per dollar spent1
  • Redeem points for cash back, gift cards and merchandise

View the details page for the recommended nRewards® Secured credit card.

  • 1 point per dollar spent1
  • Redeem points for cash back, gift cards and merchandise

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 fees5
  • Fraud notifications*
  • Ability to freeze and unfreeze your card
  • Access to your FICO® credit score6

Browse Our Cards

cashRewards

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

GO REWARDS®

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

Platinum

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

Disclosures

1Rewards are earned on eligible net purchases. "Net purchases" means the sum of your eligible purchase transactions minus returns and refunds. Eligible purchase transactions do not include, and rewards are not earned for, the following transactions: cash advances, convenience checks, balance transfers, or fees of any kind, including finance charges, late fees, returned check fees, ATM cash advance fees, and annual fees, if any. Cash equivalent transactions, such as the purchase, loading or re-loading of gift and prepaid cards (e.g., money orders, Visa® Buxx Cards, GO Prepaid Cards and other cash equivalent gift cards), may not be eligible purchase transactions and may not earn rewards.

2A $100 (Global Entry) or an $85 (TSA Pre✓®) statement credit (for whichever program is charged first) will be processed after the Global Entry program application fee OR TSA Pre✓® application fee is charged to your Visa Signature Rewards card. Visa Signature Rewards cardholders are entitled to one statement credit per eligible Visa Signature Flagship Credit Card number every 4 years per Global Entry or TSA Pre✓® program. Statement credit applies to purchases (application fee) made on or after 9/5/2018. Please allow 6-8 weeks after the applicable program application fee is charged for the statement credit to post to your account. Cardholders are responsible for payment of all charges until the statement credit posts to their account. Visa and Navy Federal Credit Union reserve the right to modify or cancel this offer at any time and without notice. Global Entry is a U.S. Government program, operated by U.S. Customs and Border Protection (CBP). TSA Pre✓® is an expedited airport security program operated by the U.S. Transportation Security Administration (TSA) that allows low-risk travelers within the United States to speed through security at select airports. Visa and Navy Federal Credit Union have no liability with regards to the Global Entry and TSA Pre✓® programs and have no control over either program, including, but not limited to, the application, approval process or enrollment, and fees charged. For complete details on the Global Entry program, including full terms and conditions, go to http://www.cbp.gov/global-entry/about. For more information about TSA Pre✓® and the application process, visit https://www.tsa.gov/precheck. The TSA Pre✓® trademark is used with the permission of the U.S. Department of Homeland Security.

3More Rewards Cards earn 3 points for every $1 of net purchases made at supermarkets and gas stations, 2 points for every $1 of net purchases made at restaurants, and 1 point for every $1 of other net purchases. A More Rewards Card supermarket, gas station or restaurant purchase may only earn 1 point per dollar spent, depending on the merchant code used to process the transaction. Restaurants located within another establishment (e.g., hotel, casino, commissary, grocery store, event venue) may be ineligible, in which case you will receive 1 point per dollar spent at these locations. In addition, superstores, supermarkets and warehouse clubs that sell gasoline are not considered gas stations, so you will earn 1 point per dollar spent at these locations.

4GO REWARDS credit cards earn 3 points for every $1 of net purchases made at restaurants, 2 points for every $1 of net purchases made for gas, and 1 point for every $1 of other net purchases. A GO REWARDS restaurant or gas purchase may only earn 1 point per dollar spent, depending on the merchant code used to process the transaction. Restaurants located within another establishment (e.g., hotel, casino, commissary, grocery store, event venue) may be ineligible, in which case you will receive 1 point per dollar spent at these locations. In addition, superstores, supermarkets and warehouse clubs that sell gasoline are not considered gas stations, so you will earn 1 point per dollar spent at these locations. For more information, view the GO REWARDS Program Description Guide at navyfederal.org.

5For 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.

6FICO 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.