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Get a Low Intro APR on Purchases

GO REWARDS®

Annual Fee: $

0

Rate: Variable APR

14.24% - 18.00%Footnote 1

Get our GO REWARDS credit card, and you could get a 0.99% intro APR on purchases for the first 6 months of account opening. After that, a variable APR between 14.24% and 18% applies.Footnote 2

Plus, earn points on everyday spending. You'll earn 3X points at restaurants, 2X points on gas and 1X points on everything else.Footnote 3  The points you earn can be redeemed for cash, travel, gift cards and merchandise.

While you're waiting for your physical card to arrive in the mail, you may qualify for a digitally issued card sent to your email for immediate use.

Expires on Jan. 01, 2026

Rewards

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

Program Description

Disclosures

1

As of 05/13/2025, 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.

2

As of 05/13/2025, 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.

3

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.