cashRewards Credit Cards Alt
With cashRewards, Make the Most of All Your Purchases With Up to 2% Cash Back! [PLACEHOLDER]
Time Magazine ranked Navy Federal Credit Union as the #1 credit card provider in America’s Best Financial Services.
This card is best for…
Getting Cash Back
Everyday Spending
Average to Excellent Credit
How It Works
We believe in perfect fits. Apply now to find out which of our two great cards is “the one” for you.
If you’re approved for a credit limit of $5,000 or more, you’ll receive a cashRewards Plus card. If it’s less, you’ll get the cashRewards card.
Make your money grow. Earn unlimited 2% cash back with cashRewards Plus or unlimited 1.5% cash back with cashRewards. Network benefits vary by card.
Special Offer Get a Boost With a $250 Bonus + Earn Up to 2% Cash Back on All Purchases
Make every swipe or tap count with a cashRewards Plus or our cashRewards credit card.Footnote [3] You can earn $250 bonus cash when you spend $2,500 within 90 days of account openingFootnote [4] —and level up your earning potential with up to 2% cash back on every purchase!Footnote [1]Transfer your non-Navy Federal balance to a cashRewards Plus or a cashRewards credit cardFootnote [3] within your first 60 days, and you could save with a 1.99% intro APR on that transferred balance for 12 months from account opening. After that, a variable APR between 14.15% and 18% applies.Footnote [5] Plus, no transfer fees.
Expires on
Features & Benefits
Spend more, earn more. Continue to accrue more until you’re ready to redeem.
Love to travel? Or want cash back? The GO REWARDS card gives you the flexibility to redeem your points as you like. Want even more? Shop at our Member Deals and earn extra rewards on your purchases, including up to 15 points or 15% cash back per dollar spent.Footnote [6]
With your Navy Federal Visa® Card, you automatically have Collision Damage Waiver (CDW) coverage when you rent a car for 15 days or less and pay for the rental with your covered rewards card. The CDW coverage is secondary to any other applicable insurance or coverage available to you.
Coverage includes physical damage and theft of the rental vehicle, reasonable towing charges, valid loss-of-use charges imposed by the auto rental company, as well as your deductible and any other eligible amounts not covered by other insurance. Only you, as the primary renter of the vehicle, and any additional drivers permitted by the auto rental agreement are covered.
Certain terms, restrictions and exclusions apply. For more information, please refer to your Auto Rental Insurance Guide. If you need a copy of the guide, please call 1-888-842-6328 or one of our international phone numbers.
Learn more about additional travel, entertainment and shopping benefits.
cashRewards Visa® Benefits
cashRewards Plus Visa Signature® Benefits
cashRewards Plus World Mastercard Benefits
Do You Prequalify?
If you’re already a member, you can find out if you prequalify before applying for a Navy Federal credit card.
This won’t affect your credit score. A prequalification doesn’t guarantee approval when you apply. When you apply, we also consider factors such as your monthly debt-to-income ratio.
Disclosures
cashRewards Plus credit cards earn 2% cash back per dollar spent on eligible purchases. cashRewards credit cards earn 1.5% cash back per dollar spent on eligible purchases. Eligible purchases are purchases for goods and services, minus returns and other credits. Eligible purchases do not include fees, interest charges, balance transfers, gambling, convenience checks, cash advances, or other cash-equivalents (e.g., money orders, gift cards, prepaid cards). For more information, view the cashRewards (Visa® or Mastercard®) and cashRewards Plus (Visa Signature® or World Mastercard) Program Descriptions.
↵As of 05/16/2026, rates range from 14.15% 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.
By submitting your application, you are applying for a cashRewards card account. If your application is approved for an account with a credit limit of less than $5,000, you will receive a standard cashRewards card that earns 1.5% cash back. If your credit limit is $5,000 or greater, you will receive a cashRewards Plus card that earns 2% cash back. The benefits of a standard cashRewards card differ from those of a cashRewards Plus card.
↵Offer valid for cardholders issued a new cashRewards or cashRewards Plus credit card account. To be eligible for the $250 cash back, you must make $2,500 or more in eligible purchases within 90 days of account opening. Eligible purchases are purchases for goods and services, minus returns and other credits. Eligible purchases do not include fees, interest charges, balance transfers, gambling, convenience checks, cash advances, or other cash-equivalents (e.g., money orders, gift cards, prepaid cards). Please allow up to 8 weeks after the 90-day period for the $250 to post to your rewards balance. Account must be open and not in default at the time the $250 is scheduled to post to your rewards balance. Limit of one promotional offer at account opening. Offer valid for accounts applied for between 1/2/2026 and 6/30/2026. Navy Federal reserves the right to change or end this offer at any time without notice.
↵As of 05/16/2026, rates range from 14.15% 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. Balance transfer offer: Application must be submitted by 06/30/2026. Offer valid for balances transferred from non-Navy Federal credit cards within 60 days of account opening. Balance transfers are not eligible to earn rewards. Maximum total transfer amount is limited to your available credit line. Balance transfers using convenience checks are excluded from this offer. If you transfer a balance with this offer, interest will be charged on purchases made with your credit card unless your purchases have a 0% APR or you pay the entire balance, including any transferred balances, in full each month by the payment due date. Limit of one promotional offer at account opening. Navy Federal reserves the right to change or end this offer at any time without notice.
↵Rewards are subject to change and vary by merchant. Reward types are based on the purchasing credit card. cashRewards, cashRewards Plus, and cashRewards Secured cards receive cash back, Platinum receives a statement credit, and all others receive points. Program excludes Navy Federal Business and Home Equity Credit Cards and Navy Federal Debit Cards.
↵The views expressed in the reviews are solely those of the individuals posting them. The testimonials are substantively the words of the individual reviewer, but may have undergone minor clerical revisions to ensure readability, add context, or protect private information. Any imagery displayed is for decorative purposes only and is not necessarily associated with the reviewer.
↵