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Navy Federal Credit Union

cashRewards Credit Card

Earn Cash Back on
Your Purchases
2.99% Intro APR Special Offer*

Purchase & Balance Transfer Variable
APR Between

10.15% - 18.0%

Credit Card Terms & Conditions

Rates are based on creditworthiness and will vary with the market based on the Prime Rate.

Cash Advance APR is variable and up to 2% higher than purchase APR, but will not exceed 18%.

Repayment terms are 2% of outstanding balance or $20, whichever is greater.


When you open a cashRewards account,* you'll earn 1.5% cash back on purchases.1

Visa Signature® Perks


  • Rewards Expiration: Never
  • Rewards Limit: None
  • Start Redeeming: Anytime
    once earned



Balance Transfer


Foreign Transaction


Cash Advance

None at NFCU Branch or ATM. $0.50 domestic or
$1.00 foreign at non-NFCU ATMs.


Earn more rewards by shopping with your Navy Federal credit card at Member Mall.


Redeem your Navy Federal credit card rewards.


Simplify how you shop both
in-store and online.


Shop with your Navy Federal credit card at participating merchants. Get discounts.
It's that easy.


See How Fast 1.5% Cash Back Adds Up:3

Move the slider or type in your monthly spending, then press ENTER.

  • money
  • Monthly spending

Below is an example of how much money you can earn in cash back rewards
based on your annual spending total.

Total cash back in the first year:


Choose a Statement Credit or a Checking, Savings or Money Market Savings Deposit.

  • Total spending in the first year: $12,000
Limited Time Offer
  • Cash back earned in the first year: $180
  • Plus, add your $200 cash back bonus:5 $100

1Earn rewards 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, Navy Federal cash equivalent transactions, such as the purchase, loading or re-loading of Navy Federal prepaid and gift cards (e.g.,
Navy Federal gift cards, Visa Buxx Cards, GO Prepaid Cards).

2Program excludes Navy Federal Business and Home Equity Line Visa Platinum credit cards and Navy Federal Debit Cards.

3This calculator is intended for educational purposes only. Results are based on input from users and are estimates only; actual cash back rewards earned may vary depending on credit card use.

*By clicking "Apply Now," you are applying for a cashRewards credit card account. If your application is approved for an account with a credit line of less than $5,000, you will receive a Visa cashRewards Card. If your credit line is $5,000 or greater, you will receive a Visa Signature® cashRewards Card. cashRewards benefits differ from Visa Signature cashRewards benefits; however, both cards receive rewards of 1.5% cash back on purchases.

Collision Damage Waiver

With your Navy Federal Visa®, 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.

For terms and conditions, see the Visa Signature® cashRewards Program Description or cashRewards Program Description Guide.

Auto Rental Collision Damage Waiver Program

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