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Earn 10K Bonus Points (a $100 Value)


Annual Fee: $


Rate: Variable APR

8.99% - 18.00%1

Open a GO REWARDS card, and you’ll earn 10,000 bonus points (a $100 value) when you spend $1,000 within 90 days of account opening.2

Plus, save with a 1.99% intro APR on balance transfers for 6 months. After that, a variable APR between 8.99% and 18% applies.1

Expires on Nov. 01, 2021


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

Program Description



As of 10/26/2021, 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. Balance transfer offer: Application must be submitted by 11/01/2021. Offer valid for balances transferred from non-Navy Federal credit cards within 30 days of account opening. Balance transfers are not eligible to earn rewards. Maximum total transfer amount is limited to your available credit line. Balance transfers using convenience checks are excluded from this offer. If you transfer a balance with this offer, interest will be charged on purchases made with your credit card unless your purchases have a 0% APR or you pay the entire balance, including any transferred balances, in full each month by the payment due date. Offer excludes Navy Federal Business, Home Equity Line Platinum and nRewards® Secured credit cards. Limit of one promotional offer at account opening.


Offer valid for cardholders issued a new Navy Federal GO REWARDS credit card. To be eligible for the 10,000 points, you must make $1,000 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 10,000 points to post to your rewards balance. Account must be open and not in default at the time the 10,000 points are issued in order to be posted to your rewards balance. Limit of one promotional offer per account. Offer valid for accounts applied for from 9/1/21 to 11/1/21. 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.