Navy Federal Credit Union
Navy Federal Credit Union

cashRewards Credit Card

It Pays to Have a cashRewards Card!

With your card, you'll earn 1.5% cash back on purchases, and you'll earn $150 cash back after you spend $1,500 within the first 90 days of opening your account.1

Plus, you'll enjoy other great perks that come with this card:

  • No limit to what you can earn
  • Cash rewards never expire
  • Ability to redeem cash back as soon as you earn it
  • Learn more about Visa Signature® Perks
APR as Low as 9.65%4

Make your wallet mobile with
Apple Pay™.2


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

Redeem your Navy Federal credit card rewards.

Visa Checkout makes paying
online easy.


Start redeeming cash back as soon as you earn it! There are no limits on earned rewards, and they never expire.

See How Fast 1.5% Cash Back Adds Up:5

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 $150 cash back bonus:1 $150

1Offer valid for cardholders issued new cashRewards credit card accounts. To be eligible for the $150 cash back offer, you must make $1,500 or more in net purchases within 90 days of account opening. “Net purchases” means the sum of your purchase transactions minus returns and refunds. Cash or 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), do not earn rewards and will not count toward the $1,500 spending requirement. Please allow up to eight weeks after the 90-day period for the $150 to post to your account. Account must be open and not in default at the time the $150 is posted. Limit one special cash back offer per account under this promotion. Offer valid 8/1/15-9/30/15.

2Apple® and the Apple logo are trademarks of Apple, Inc., registered in the U.S. and other countries. Apple Pay is a trademark of Apple, Inc.

3Program excludes Navy Federal Business and Home EquityLine Visa Platinum credit cards and Navy Federal Debit Cards.

4See Credit Card Rates for details. Currently, rates range from 9.65% APR to 18% APR, are based on creditworthiness, and will vary with the market based on the 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 overseas transaction. Foreign transaction fees: 0.80% of transaction amount if in U.S. dollars, 1% of transaction amount if must convert to U.S. dollars.

5This 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 cashRewards Visa 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.

MasterPass is a trademark of MasterCard International Incorporated.

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.

For terms and conditions, see the cashRewards Program Description Guide.

Auto Rental Collision Damage Waiver Program

Product Reviews

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