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With cashRewards Plus—make the most of all your purchases with unlimited 2% cash back! Or, earn unlimited 1.5% cash back with our cashRewards card.

Apply Now for the cashRewards Credit Card

Not a member? Check your eligibility.

How It Works

Apply

We believe in perfect fits. Apply now to find out which of our two great cards is “the one” for you.  

Get Approved

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.

Get Rewarded

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.

cashRewards Plus and cashRewards Credit Card Special Offer

Earn $250 Cash Back

Maximize your cash back with a Navy Federal cashRewards Plus or cashRewards card.Footnote 1 You can earn $250 cash back when you spend $2,500 within 90 days of account opening.Footnote 2 See offer details.

Balance Transfer

Transfer your balance within your first 60 days, and you could save with a 1.99% intro APR for 12 months from account opening. After that, a variable APR between 14.90% and 18% applies. Plus, no transfer fee.Footnote 3

These cards are best for...

  • Getting Cash Back

  • Everyday Spending

  • cashRewards Plus: Very Good to Excellent Credit | cashRewards: Average to Good Credit

Rates, Fees & Rewards

Rates

Purchase & Balance Transfer Variable APR between

14.90% - 18.00%Footnote 4

Terms & Conditions

Fees

  • No annual fee
  • No balance transfer fee
  • No foreign transaction fees
  • No cash advance feesFootnote 4

Rewards

  • cashRewards Plus: Unlimited 2% cash back on all purchasesFootnote 5
  • cashRewards: Unlimited 1.5% cash back on all purchasesFootnote 5
  • Start redeeming rewards as soon as you earn them
  • cashRewards Plus FAQs

Program Description

Features & Benefits

Spend more, earn more. No restrictions on your rewards—continue to accrue more until you’re ready to redeem.

Included With All Navy Federal Credit Cards

  • 24/7 Help From Our US-Based Member Service Team
  • No Balance Transfer or Foreign Transaction FeesFootnote 6
  • Ability to Freeze and Unfreeze Your Cards
  • Access to Your Credit Score
  • Tap to Pay
  • Fraud Notifications*
  • An Average Credit Card APR That’s 7.25% Lower Than the Bank Industry AverageFootnote 7
  • Zero Liability Policy for Confirmed Unauthorized Transactions
  • Use Your Credit Card Before It Arrives in the Mail if You Qualify for a Digitally Issued Card

Learn More about the features included with all Navy Federal credit cards

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 does not guarantee approval when you apply. When you apply, we also consider factors such as your monthly debt-to-income ratio.

Prequalify Me for a credit card

Cardholder Resources

View MoreCardholder Resources

Credit Card Learning Center

View MoreCredit Card Learning Center

Disclosures

1

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.

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2

Offer valid for cardholders issued a 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 04/01/2025 and 06/30/2025. Navy Federal reserves the right to change or end this offer at any time without notice.

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3

As of 05/11/2025, 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. Balance transfer offer: Application must be submitted by 06/30/2025. 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. 

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4

As of 05/11/2025, 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.

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5

cashRewards Plus credit cards earn 2% cash back on every $1 of eligible purchases. cashRewards credit cards earn 1.5% cash back on every $1 of 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).

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6

As of 05/11/2025, cashRewards 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 10.99% 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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7

Credit card value claim based on an internal analysis of Navy Federal’s average credit card APR assigned to members compared to the bank industry average credit card APR in 2024. The 2024 bank industry average data was obtained from the Federal Reserve’s G.19 Consumer Credit data release.

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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.

Program excludes Navy Federal Business and Home Equity Line Visa® Platinum Credit Cards and Navy Federal Debit Cards.