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Which credit card is right for you?

View rates, rewards and more—just select “Add Card” to compare up to 3 of our cards. Footnote [1]

    What to consider when comparing credit cards

  • Current Credit Score

    A higher credit score increases your chances of being approved for a credit card.

  • Annual Percentage Rate

    The lower the APR, the less interest you’ll have to pay each month if you’re carrying a balance.

  • Annual Fees

    Some credit cards require an annual fee to keep the account open. Cards with annual fees often come with premium benefits or lower interest rates.

  • Perks

    Different cards will have different perks and benefits, such as cash back rewards and travel discounts. Consider which perks best fit your lifestyle.

  • Terms and Conditions

    The terms and conditions for each card you’re considering will list interest rate ranges, annual fees (if any) and other important details.

  • Approval

    If you’re worried about being denied, you can see if you prequalify for a Navy Federal Credit Card with no impact to your credit score.

Still have questions? Visit our Credit Card FAQs

Disclosures

1

Offer valid for cardholders issued new Navy Federal More Rewards American Express® Credit Card accounts. To be eligible for the 20,000 points offer, you must make $2,000 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 20,000 points to post to your rewards balance. Account must be open and not in default at the time the 20,000 points are scheduled to post to your rewards balance. Limit of one promotional offer at account opening. Offer valid for accounts applied for between 01/02/2026 and 06/30/2026. Navy Federal reserves the right to change or end this offer at any time without notice.

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2

As of 02/14/2026, 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 10.24% 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.

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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, gambling, 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, GO Prepaid Cards, and other cash-equivalent gift cards), may not be eligible purchase transactions and may not earn rewards.

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The Navy Federal More Rewards American Express® Card is issued and administered by Navy Federal Credit Union. American Express is a federally registered service mark of American Express and is used by the issuer pursuant to a license.