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

Apply Now for the GO REWARDS credit card.

This card is best for...

  • Busy Lifestyle

  • Dining Out

  • Average to Excellent Credit


Rates, Fees & Rewards

Rates

Purchase & Balance Transfer Variable APR between

10.99% - 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 point 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
  • Cell phone protection
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 reported, unauthorized transactions
  • Fraud notifications*
  • Access to your FICO® score4
Learn More about the benefits included with all Navy Federal credit cards

Cardholder Resources

  • Redeem Rewards

    Get the most out of your credit card. Redeem your rewards now.

    Learn More about Redeem Rewards
  • Member Deals

    Use your credit card to shop our online Member Deals. You’ll get higher rewards just for purchasing through Member Deals, free shipping from certain retailers, exclusive offers and other perks.

    Learn More about Member Deals
  • FICO® Score

    Stay on top of your credit. Sign in to your Navy Federal account to easily view your FICO score.

    Learn More about FICO® Score
View More Cardholder Resources

Credit Card Basics

View More Credit Card Basics

Disclosures

1 As of 9/3/2019, rates range from 10.99% 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.

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 be ineligible, in which case you will 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. For more information, view the GO REWARDS Program Description Guide at navyfederal.org.

3 For all Navy Federal Credit Cards: As of 9/3/2019, rates range from 7.99% 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.

4 FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.