cashRewards Credit Card Features & Benefits
No Rewards Limit
Spend more, earn more. No restrictions on your rewards—continue to accrue more until you’re ready to redeem.
No Reward Expiration
As long as your account is open, rewards won't expire. Continue to spend and accrue rewards and redeem them at your convenience.
Tap to Pay
Make purchases quickly and securely with your cashRewards card. Just look for the Contactless Symbol at checkout, then tap your card against the card reader.
Collision Damage Waiver
With your Navy Federal Visa® Card, you automatically have Collision Damage Waiver (CDW) coverage when you rent a car for 15 days or less and pay for the rental with your covered rewards card. The CDW coverage is secondary to any other applicable insurance or coverage available to you.
Coverage includes physical damage and theft of the rental vehicle, reasonable towing charges, valid loss-of-use charges imposed by the auto rental company, as well as your deductible and any other eligible amounts not covered by other insurance. Only you, as the primary renter of the vehicle, and any additional drivers permitted by the auto rental agreement are covered.
Certain terms, restrictions and exclusions apply. For more information, please refer to your Auto Rental Insurance Guide. If you need a copy of the guide, please call 1-888-842-6328 or one of our international phone numbers.
Cell Phone Protection Coverage
Your Navy Federal Credit Card can provide extra protection for your cell phones. Simply pay your monthly cell phone bill with your Navy Federal Visa or Mastercard®.
To file a claim, contact the Benefit Administrator directly.
- Visa: 1-866-894-8569
- Mastercard: 1-800-627-8372
For more information about the terms of the plan, view the protection program guide for your card. Navy Federal doesn’t handle insurance claims.
Additional Card Benefits
Learn more about additional travel, entertainment and shopping benefits.
- Visa Benefits: Visa Benefits Site / Visa Benefits Guide
- Visa Signature® Benefits: Visa Signature® Benefits Site / Visa Signature® Benefits Guide
- Mastercard Benefits: Mastercard® Benefits Site / Mastercard® Benefits Guide
- World Mastercard Benefits: World Mastercard Benefits Site / World Mastercard Benefits Guide
Included With All Navy Federal Credit Cards
- 24/7 access to stateside member reps
- No balance transfer or foreign transaction fees1
- Ability to freeze and unfreeze your cards
- Zero Liability policy for unauthorized transactions
- Fraud notifications*
- Access to your credit score
Learn More about the benefits included with all Navy Federal credit cards
Disclosures
For all Navy Federal Credit Cards: As of 10/26/2021, rates range from 5.99% 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.
↵FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.
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