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?

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 fees6
  • Fraud notifications*
  • Ability to freeze and unfreeze your card
  • Access to your FICO® credit score7

Browse Our Cards

cashRewards

At a Glance

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

Annual Fee: $0 Rate: Variable APR8 11.15% - 18.00%

Terms & Conditionsfor the cashRewards credit card.

Navy Federal More Rewards American Express® Card

At a Glance

Maximize your everyday spending with 3X points at supermarkets, 3X points on gas and transit, 3X points at restaurants and 1X points on everything else.

Annual Fee: $0 Rate: Variable APR 11.15% - 18.00%

Terms & Conditionsfor the More Rewards American Express credit card

Visa Signature® Flagship Rewards

At a Glance

Earn 3X points for every $1 you spend on travel and 2X points on everything else.

Annual Fee: $49 Rate: Variable APR 11.49% - 18.00%

Terms & Conditionsfor the Visa Signature Flagship credit card.

GO REWARDS®

At a Glance

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

Annual Fee: $0 Rate: Variable APR 10.49% - 18.00%

Terms & Conditionsfor the GO REWARDS credit card.
Apply Now for the GO REWARDS credit card. See the Card Details for the GO REWARDS credit card.

Platinum

At a Glance

Minimize monthly payments with our lowest rate card.

Annual Fee: $0 Rate: Variable APR 7.49% - 18.00%

Terms & Conditionsfor the Platinum credit card.

nRewards® Secured

At a Glance

Build or repair your credit while earning rewards.

Annual Fee: $0 Rate: Variable APR 18.00%

Terms & Conditionsfor the nRewards Secured credit card
Apply Now for the nRewards Secured credit card See the Card Details for the nRewards Secured credit card
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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 Deals

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

    Learn More about Member Deals
  • 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

View More Credit Card Basics

Disclosures

1 Offer valid for Cardmembers issued new Navy Federal More Rewards American Express® Card accounts. To be eligible for the 30,000 points, you must make $3,000 or more in net purchases with the Card within 90 days of account opening. Please allow up to eight weeks after the 90-day period for the 30,000 points to post to your rewards balance. Account must be open and not in default at the time the 30,000 points are issued in order to be posted to your rewards balance. Limit of one promotional offer per account. Offer valid for accounts applied for between 11/1/2019 and 1/2/2020. Navy Federal reserves the right to end or modify this offer at any time.

2 A $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® Flagship Rewards Card. Visa Signature Flagship 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 application fee charges made on or after account opening. 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. TSA Pre✓® is an expedited airport security program that allows low-risk travelers within the United States to speed through security at select airports. 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.

3 Navy Federal More Rewards American Express® Cards earn 3 points for every $1 of net purchases made for gas, transit, restaurants, supermarkets, and 1 point for every $1 of other net purchases. Merchant transit categories classified as railway, ferries/water trip, taxi, limousines, bus lines, charters, tour buses, tolls, road/bridge fees, and parking/lots will receive 3 points for every $1 of net purchases. A supermarket, transit, 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 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 More Rewards American Express® Card Program Description at navyfederal.org.

4 GO 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.

5 Rewards 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, and ATM cash advance fees. Cash equivalent transactions, such as the purchase, loading, or reloading 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.

6 For all Navy Federal Credit Cards: As of 12/2/19, rates range from 7.49% 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.

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

8 As of 12/2/19, rates range from 7.49% 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.

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.

Offer valid for cardholders issued new Navy Federal More Rewards American Express® Card accounts. To be eligible for the 30,000 bonus points, you must make $3,000 or more in net purchases within 90 days of account opening. Earn rewards 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 reloading 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. Please allow up to eight weeks after the 90-day period for the 30,000 bonus points to post to your rewards balance. Account must be open and not in default at the time the 30,000 bonus points are scheduled to post to your rewards balance. Limit of one promotional offer at account opening. Valid for accounts applied for by 10/31/2019. Excludes Navy Federal Business cards.

A $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® Flagship Rewards Card. Visa Signature Flagship 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 application fee charges made on or after account opening. 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. TSA Pre✓® is an expedited airport security program that allows low-risk travelers within the United States to speed through security at select airports. 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.