cashRewards Credit Card
Earn $250 Bonus Cash Back + a One-Time $98 Statement Credit for an Annual Walmart+ Membership
Apply Now for the cashRewards card View Offer Details for the cashRewards cardThis card is best for...
Getting Cash Back
Everyday Spending
Average to Excellent Credit
Rates, Fees & Rewards
Fees
- No annual fees
- No balance transfer fee
- No foreign transaction fees
- No cash advance fees
Rewards
- 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
Program Description
Features & Benefits
- No rewards limit
- No rewards expiration while account is open
- Collision Damage Waiver
Cardholder Resources
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Redeem Credit Card Rewards
Get the most out of your credit card. Redeem your rewards now.
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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.
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Get Your Credit Score
Stay on top of your credit. Sign in to your Navy Federal account to easily view your credit score.
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Credit Card Learning Center
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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.
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How Credit Cards Work
Credit cards are valuable tools to establish and build credit. Learn how they work and how to use them responsibly.
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Credit Scores & Reports
Visit MakingCents to learn what affects your credit score and how you can build a strong credit history.
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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
Disclosures
As of 11/29/2023, 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 11/29/2023, 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.
↵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.