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Get $250 Bonus Cash—Plus, Start Earning 1.5% 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

Rates

Purchase & Balance Transfer Variable APR between

11.65% - 18.00% 2

Terms & Conditions

Fees

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

Rewards

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

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 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.

    Learn More about Member Deals
  • 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

View More Credit Card Basics

Disclosures

1 Offer valid for cardholders issued new cashRewards credit card accounts. To be eligible for the $250 cash back, you must make $2,500 or more in net purchases within 90 days of account opening. 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, 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 reloading 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. Please allow up to eight weeks after the 90-day period for the bonus cash back to post to your rewards balance. Account must be open and not in default at the time the bonus cash back posts to your rewards balance. Limit of one promotional offer at account opening. Offer valid for accounts applied for from 3/1/19 to 1/2/20. Navy Federal reserves the right to end or modify this offer at any time. Excludes Navy Federal Business cards.

2 As of 9/3/2019, rates range from 11.65% 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.

3 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, 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, Visa® Buxx Cards, GO Prepaid Cards and other cash equivalent gift cards), may not be eligible purchase transactions and may not earn rewards.

4 For all Navy Federal Credit Cards: As of 9/3/2019, rates range from 7.99% 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.

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