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Get a Low Intro APR on Purchases

You could get a 0.99% intro APR on purchases for the first 6 months of account opening. After that, a variable APR between 14.74% and 18% applies.Footnote 1 See offer details.

Apply Now for the GO REWARDS Credit Card

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This card is best for...

  • Busy Lifestyle

  • Dining Out

  • Average to Excellent Credit


Rates, Fees & Rewards

Rates

Purchase & Balance Transfer Variable APR between

14.74% - 18.00%Footnote 2

Terms & Conditions

Fees

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

Rewards

  • 3X points at restaurantsFootnote 3
  • 2X points on gas
  • 1X points on everything else

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

Do You Prequalify?

If you’re already a member, you can check to see if you prequalify for a credit card before applying, without impacting your credit score. Keep in mind that prequalification doesn’t guarantee approval—there are many factors to consider, including monthly debt-to-income ratio, amounts owed and payment history.

Prequalify Me for a credit card

If you live life on the go, our GO REWARDS card is for you.

Included With All Navy Federal Credit Cards

  • Use your credit card before it arrives in the mail if you qualify for a digitally issued card
  • 24/7 help from our U.S.-based member service team
  • No balance transfer or foreign transaction feesFootnote 4
  • Ability to freeze and unfreeze your cards
  • Zero Liability policy for confirmed 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 Learning Center

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Disclosures

1

As of 11/10/2024, rates range from 14.74% APR to 18.00% APR, are based on creditworthiness, and will vary with the market based on the US 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. Application must be submitted by 01/01/2025. Limit of one promotional offer at account opening. Navy Federal reserves the right to change or end this offer at any time without notice.

2

As of 11/10/2024, rates range from 14.74% 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

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 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. For more information, view the GO REWARDS Program Description Guide.

4

As of 11/10/2024, nRewards® Secured card rate is 18.00% APR and will vary with the market based on the US Prime Rate. All other Navy Federal credit card rates range from 11.49% APR to 18.00% APR, are based on product type and creditworthiness, and will vary with the market based on the US 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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