• Account will be reviewed for potential upgrade starting at month 6

    We’ll review your account monthly starting at 6 months to see if you're eligible to have your deposit returned by removing the hold.

    The review will be based on your general credit history, including your Navy Federal account. If you decide to close your account, your deposit will be returned, provided the remaining balance is paid.

    Hold deposit will be removed automatically when account is upgraded to non-secure card.

  • No Rewards Limit

    Spend more, earn more. Continue to accrue more until you’re ready to redeem.

    For terms and conditions, see the nRewards Card Program Description.

  • Redeem points for cash, gift cards and merchandise

    Interested in a gift card? Or prefer cash back? The nRewards card gives you the flexibility to redeem your points as you like. Want even more? Shop our Member Deals and earn extra rewards on your purchases, including up to 15 points or 15% cash back per dollar spent.1

  • Cell Phone Protection

    Your Navy Federal Credit Card can provide extra protection for up to 3 of your cell phones. Simply pay your monthly cell phone bill with your Navy Federal Visa® or Mastercard®.

    To file a claim, contact the insurance provider directly.

    For more information about the terms of the plan, view the protection program guide for your card. Navy Federal doesn’t handle insurance claims.

  • Collision Damage Waiver

    With your Navy Federal Visa or Mastercard, you automatically have Collision Damage Waiver (CDW) coverage when you rent a car for 15 days or less and pay for the rental with your covered rewards card. The CDW coverage is secondary to any other applicable insurance or coverage available to you.

    Coverage includes physical damage and theft of the rental vehicle, reasonable towing charges, valid loss-of-use charges imposed by the auto rental company, as well as your deductible and any other eligible amounts not covered by other insurance. Only you, as the primary renter of the vehicle, and any additional drivers permitted by the auto rental agreement are covered.

    Certain terms, restrictions and exclusions apply. For more information, please refer to your Auto Rental Insurance Guide. If you need a copy of the guide, please call 1-888-842-6328 or one of our international phone numbers.

    Mastercard Standard MasterRental® Insurance Coverage

    Visa Auto Rental Collision Damage Waiver Program

  • Additional Card Benefits

    Learn more about additional travel, entertainment and shopping benefits.

Included With All Navy Federal Credit Cards

  • 24/7 access to stateside member reps
  • No balance transfer or foreign transaction fees2
  • Ability to freeze and unfreeze your cards
  • Zero Liability policy for reported, unauthorized transactions
  • Fraud notifications*
  • Access to your FICO® score3
Learn More about the benefits included with all Navy Federal credit cards


1 Program excludes Navy Federal Business and Home Equity Line Visa® Platinum credit cards and Navy Federal Debit Cards. Rewards are subject to change and vary by merchant. Reward types will be based on the member's purchasing credit card. cashRewards cardholders will receive cash back. Platinum cardholders will receive a statement credit, and all others will receive points.

2 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.

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