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 1.5% cash back on what you spend,1 whether you spend it on groceries, gas or at 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
You can now redeem cash and points on mobile.

  1. Step 1

    Sign in to the mobile app.

  2. Step 2

    Under Accounts, select a rewards card.

  3. Step 3

    Select Rewards.

  4. Step 4

    Tap Redeem Rewards to enter the redemption site and redeem your rewards.

How to Redeem Rewards Online

  1. Step 1

    Sign into your online account.

  2. Step 2

    On your Accounts page, select a rewards card.

  3. Step 3

    Under Rewards Points, click Rewards to enter the redemption site.


1 Visa Signature Flagship Credit Cards earn 3 points for every $1 of net purchases made on travel and 2 points for every $1 of other 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. 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. A Flagship travel purchase may only earn 2 points per dollar spent, depending on the merchant code used to process the transaction. Travel is typically categorized under merchant category codes such as airline, hotel, car rental, bus lines, taxis, cruise lines, time shares, parking and transit. Additional categories may be ineligible, in which case you will receive 2 points per dollar spent at these locations based on the merchant category codes. For more information, view the Flagship Rewards Program Description at