Redeem Credit Card Rewards
Ready to Take Advantage of All Those Rewards?
Are you looking for cash back, a gift card or merchandise? As a Navy Federal member, you have options when it comes to your credit card rewards.
With a Navy Federal rewards credit card, you earn at least 1 point per dollar or up to 1.75% cash back on all purchases,1 whether you spend it on groceries, gas or restaurants. Each card has a different structure, so choose the card that best fits your needs.
Ready to start earning rewards? It’s simple. Just make a purchase and see your rewards on your next statement, or sign in to digital banking to track your rewards.
Start Redeeming Your Points or Cash Back
Our rewards site gives you flexibility when redeeming your credit card rewards.
- Redeem points for cash, merchandise or gift cards
- View a detailed summary of your rewards program activity
- Directly book flights, hotels, and car rentals on all programs except nRewards®
How to Redeem Rewards on Mobile
Sign in to the mobile app.
On your Accounts screen, select a rewards card.
Tap Redeem Rewards to enter the redemption site and redeem your rewards.
How to Redeem Rewards Online
Sign into your online account.
On your Accounts page, select a rewards card.
Under Rewards Points, click Rewards to enter the redemption site.
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, gambling, 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, GO Prepaid Cards and other cash-equivalent gift cards), may not be eligible purchase transactions and may not earn rewards. Rewards expire 4 years after they are earned, as long as the account is open.↵