Earn 20K Bonus Points (a $200 Value)


Annual Fee: $


Rate: Variable APR

8.99% - 18.00%1

Open a GO REWARDS® credit card, and you can earn 20K bonus points (a $200 value) when you spend $3,000 in the first 90 days.2

Expires on Aug. 31, 2021


  • 3X points at restaurants
  • 2X points on gas
  • 1X points on everything else3

Program Description



As of 07/25/2021, rates range from 8.99% 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.


Offer valid for cardholders issued a new Navy Federal GO REWARDS credit card. To be eligible for the 20,000 points, you must make $3,000 or more in net purchases with the card within 90 days of account opening. Rewards are 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, ATM cash advance fees, and annual fees, if any. Cash equivalent transactions, such as the purchase, loading, or reloading of gift and prepaid cards (e.g., money orders, Visa® Buxx Cards, GO Prepaid Cards, and other cash equivalent gift cards), may not be eligible purchase transactions and may not earn rewards. Please allow up to eight weeks after the 90-day period for the 20,000 points to post to your rewards balance. Account must be open and not in default at the time the 20,000 points are issued in order to be posted to your rewards balance. Limit of one promotional offer per account. Valid for offers accepted by 8/31/21. Navy Federal reserves the right to end or modify this offer at any time.


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.