Get a New cashRewards Card and Get a Low APR on Balance Transfers and Bonus Cash Back1

Apply Now for the cashRewards credit card. View Offer DetailsFor the cashRewards.

This card is best for...

  • Getting Cash Back

  • Everyday Spending

  • Average to Excellent Credit

Rates, Fees & Rewards


Purchase & Balance Transfer Variable APR between

11.40% - 18.00% 2

Terms & Conditions


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


  • 1.5% cash back on purchases3
  • Start redeeming rewards as soon as you earn them

cashRewards Program Description

Features & Benefits

  • No rewards limit
  • No rewards expiration while account is open
  • Collision Damage Waiver
  • Cell phone protection
Learn More about the cashRewards credit card

Included With All Navy Federal Credit Cards

  • 24/7 access to stateside member reps
  • No balance transfer or foreign transaction fees4
  • Ability to freeze and unfreeze your cards
  • Zero Liability policy for reported unauthorized transactions
  • Fraud notifications*
  • Access to your FICO® score5
Learn More about the benefits included with all Navy Federal credit cards

Cardholder Resources

Redeem Rewards

Get the most out of your credit card. Redeem your rewards now.

Learn More about Redeem Rewards

Member Mall®

Use your credit card to shop our online Member Mall. You’ll get higher rewards just for purchasing through Member Mall, free shipping from certain retailers, exclusive offers and other perks.

Learn More about Member Mall®

FICO® Score

Stay on top of your credit. Sign in to your Navy Federal account to easily view your FICO score.

Learn More about FICO® Score
View More Cardholder Resources

Credit Card Basics

Credit Card Application Process

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 Credit Card Application Process

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

Understanding Credit

Visit MakingCents to learn what affects your credit score and how you can build a strong credit history.

Learn More about Understanding Credit

Balance Transfers

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 Balance Transfers
View More Credit Card Basics


1Offer valid for cardholders issued new cashRewards credit card accounts. Balance transfer offer: Offer valid for balance transfers requested from non-Navy Federal credit cards within 30 days of account opening. Navy Federal reserves the right to refuse duplicate balance transfer requests. Maximum total transfer amount is limited to your approved credit line. Balance transfers using convenience checks are excluded from this offer. Balance transfers are not eligible to earn rewards. 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. To be eligible for the $100 cash back, you must make $1,000 or more in eligible net purchases within 90 days of account opening. Please allow up to eight weeks after the 90-day period for the $100 to post to your rewards balance. Account must be open and not in default at the time the $100 is posted to your rewards balance. Limit of one promotional offer at account opening. Excludes Navy Federal Business credit cards. Valid for offers applied for from 9/5/18 to 10/31/18.

2Currently, rates range from 11.40% 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 overseas transaction. Cash Advance APR is variable and up to 2% higher than purchase APR, but will not exceed 18%. Repayment terms are 2% of outstanding balance or $20, whichever is greater.

3Rewards 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, or fees of any kind, including finance charges, late fees, returned check fees, ATM cash advance fees, and annual fees, if any. Cash equivalent transactions, such as the purchase, loading or re-loading 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.

4For all Navy Federal Credit Cards: Currently, rates range from 7.74% 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.

5FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.