GO REWARDS® Credit Card

As of 05/11/2025, rates range from 14.24% 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. Application must be submitted by 01/01/2026. Limit of one promotional offer at account opening. Navy Federal reserves the right to change or end this offer at any time without notice.

As of 05/11/2025, rates range from 14.24% 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.

GO REWARDS credit cards earn 3 points for every $1 of eligible purchases made at restaurants, 2 points for every $1 of eligible purchases made for gas, and 1 point for every $1 of other eligible purchases. 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). Merchants are assigned codes by payment networks based on what they primarily sell. We rely on this information to identify restaurant and gas purchases.  If the purchase is not identified as a gas or restaurant purchase, it will not receive additional points. For example, purchases at restaurants located within another establishment (e.g., hotel, casino, commissary, grocery store, event venue), and purchases for gas at superstores, supermarkets and warehouse clubs may earn 1 point per $1 spent because they typically are not assigned codes identifying them as restaurant or gas purchases. [Existing accounts: ;however, those transactions may receive additional points from a different promotion if one applies to your account.]. For more information, view the GO REWARDS Program Description Guide.

Rewards are subject to change and vary by merchant. Reward types are based on the purchasing credit card. cashRewards, cashRewards Plus, and cashRewards Secured cards receive cash back, Platinum receives a statement credit, and all others receive points. Program excludes Navy Federal Business and Home Equity Line Visa^® Platinum credit cards and Navy Federal Debit Cards.

As of 05/11/2025, 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 10.99% 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.

Credit card value claim based on an internal analysis of Navy Federal’s average credit card APR assigned to members compared to the bank industry average credit card APR in 2024. The 2024 bank industry average data was obtained from the Federal Reserve’s G.19 Consumer Credit data release.

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Program excludes Navy Federal Business and Home Equity Line Visa® Platinum Credit Cards and Navy Federal Debit Cards.