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This card is best for...

  • Busy Lifestyle

  • Dining Out

  • Average to Excellent Credit

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If you're already a member, you can find out if you prequalify for a credit card before you submit an application. This won't affect your credit score.

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Rates, Fees & Rewards

Rates

Purchase & Balance Transfer Variable APR between

9.24% - 18.00%1

Terms & Conditions

Fees

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

Rewards

  • 3X points at restaurants
  • 2X points on gas
  • 1X points on everything else2

Program Description

Features & Benefits

  • No rewards limit
  • No rewards expiration while account is open
  • Points redeemed for cash, travel, gift cards and merchandise

Learn More about the GO REWARDS credit card

Included With All Navy Federal Credit Cards

  • 24/7 access to stateside member reps
  • No balance transfer or foreign transaction fees3
  • 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

Cardholder Resources

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Credit Card Basics

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Disclosures

1

As of 07/01/2022, rates range from 9.24% 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 06/30/2022. Offer valid for balance transfers from non-Navy Federal credit cards requested 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.

2

GO REWARDS credit cards earn 3 points for every $1 of net purchases made at restaurants, 2 points for every $1 of net purchases made for gas, and 1 point for every $1 of other net purchases. A GO REWARDS restaurant or gas purchase may only earn 1 point per dollar spent, depending on the merchant code used to process the transaction. Restaurants located within another establishment (e.g., hotel, casino, commissary, grocery store, event venue) may receive 1 point per dollar spent at these locations. In addition, superstores, supermarkets and warehouse clubs that sell gasoline are not considered gas stations, so you will earn 1 point per dollar spent at these locations. Rewards are only 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, and ATM cash advance fees. Cash equivalent transactions, such as the purchase, loading, or re-loading 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. For more information, view the GO REWARDS Program Description Guide.

3

As of 07/01/2022, nRewards® 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 6.24% 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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