This card is best for...
Getting Cash Back
Average to Excellent Credit
If you're already a member, you can find out if you prequalify for a credit card before you submit an application. This won't affect your credit score.
Rates, Fees & Rewards
- No annual fees
- No balance transfer fee
- No foreign transaction fees
- No cash advance fees
- Up to 1.75% cash back on all purchases2
- Start redeeming rewards as soon as you earn them
- Learn more about the new enhanced rewards structure
Redeem Credit Card Rewards
Get the most out of your credit card. Redeem your rewards now.Learn More about Redeem Credit Card Rewards
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
Get Your Credit Score
Stay on top of your credit. Sign in to your Navy Federal account to easily view your credit score.Learn More about Get Your Credit Score
Credit Card Learning Center
How to Apply for a Credit Card
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 How to Apply for a Credit Card
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
Credit Scores & Reports
Visit MakingCents to learn what affects your credit score and how you can build a strong credit history.Learn More about Credit Scores & Reports
How to Do a Balance Transfer
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 How to Do a Balance Transfer
As of 10/04/2023, rates range from 14.90% 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.
cashRewards credit cards earn 1.75% cash back on net purchases for cardholders with direct deposit at Navy Federal, or 1.5% cash back for cardholders without direct deposit. 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. To be eligible to receive 1.75% cash back on net purchases with your cashRewards card, you must either currently have direct deposit at Navy Federal or must set up and maintain direct deposit at Navy Federal. Direct deposit is defined as a recurring ACH from your employer, military pay, or certain government agency pay or benefits deposited into your Navy Federal deposit account. You will start earning 1.75% cash back once we confirm you have direct deposit at Navy Federal.↵
As of 10/04/2023, nRewards® Secured card rate is 18.00% APR and will vary with the market based on the U.S. Prime Rate. All other Navy Federal Credit Card rates range from 11.24% 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.↵
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