Navy Federal Credit Union

Credit Cards

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Cards

Rates

Fees

Benefits

cashRewards
Variable APR between

9.90% - 18.0%1

[Terms & Conditions]
  • No annual fee1
  • No balance transfer fee1
  • No cash advance fee1
  • No foreign transaction fee1
  • Earn 1.5% cash back on purchases2
  • Redeem cash back as soon as you earn it—cash rewards never expire2
GO Rewards
Variable APR between

9.74% - 18.0%1

[Terms & Conditions]
  • No annual fee1
  • No balance transfer fee1
  • No cash advance fee1
  • No foreign transaction fee1
  • 3x points on restaurants, 2x points on gas and 1 point on everything else3
  • Redeem points for cash, travel, gift cards and merchandise
  • Available in MasterCard® and Visa®
Flagship
Variable APR between

10.24% - 18.0%1

[Terms & Conditions]
  • $49 annual fee1
  • No balance transfer fee1
  • No cash advance fee1
  • No foreign transaction fee1
  • Earn two points per $1 of net purchases2
  • Redeem points for cash, travel, gift cards and merchandise
nRewards
Variable APR between

9.24% - 18.0%1

[Terms & Conditions]
  • No annual fee1
  • No balance transfer fee1
  • No cash advance fee1
  • No foreign transaction fee1
  • Earn one point per $1 of net purchases2
  • Redeem for gift cards and merchandise
  • Available in MasterCard® and Visa®
Platinum
Variable APR between

8.24% - 18.0%1

[Terms & Conditions]
  • No annual fee1
  • No balance transfer fee1
  • No cash advance fee1
  • No foreign transaction fee1
  • Best interest rate of all our cards
  • Earn statement credits through Member Mall®3
  • Available in MasterCard and Visa
nRewards Secured
Variable APR between

9.24% - 18.0%1

[Terms & Conditions]
  • No annual fee1
  • No balance transfer fee1
  • No cash advance fee1
  • No foreign transaction fee1
  • Earn one point per $1 of net
    purchases to redeem for gift cards
    and merchandise2
  • Build or repair credit
  • Available in MasterCard and Visa
cashRewards
1.5% cash back on purchases!2
<em>cash</em>Rewards
1.5% cash back on purchases!2
Great card! Great Credit Union! Great customer service! The Auto Insurance feature when renting cars, which I do frequently, is just wonderful.
— Member Review
Rewards2
  • 1.5% cash back on purchases
  • Start redeeming cash back as soon as you earn it
  • No minimum required

Annual Fee: $01

4.7 / 5 4.7 / 5
GO Rewards
Earn points on purchases with no fee;1 redeem for cash, travel and merchandise.2
Go Rewards
Earn points on purchases with no fee;1 redeem for cash, travel and merchandise.2
They gave me a chance with a higher credit limit than anyone and I will forever be a member with NFCU!
— Member Review
Rewards2
  • Earn one point with each $1 of net purchases
  • Redeem for cash, travel and merchandise

Annual Fee: $01

4.6 / 5 4.6 / 5
Visa Signature®
Premier travel rewards card. Earn two points for each $1 of net purchases.2
Visa Signature®
Premier travel rewards card. Earn two points for each $1 of net purchases.2
It is easy to redeem travel flight rewards, and it is great to have no foreign transaction fees.1
— Member Review
Rewards2
  • Earn two points with each $1 of net purchases
  • Rewards up to 2% return on each net dollar spent

Annual Fee: $491

4.3 / 5 4.3 / 5
nRewards
Earn reward points on purchases; redeem for merchandise and gift certificates.2
nRewards
Earn reward points on purchases; redeem for merchandise and gift certificates.2
I love my nRewards card. I use it any and everywhere I go without any hassle.
— Member Review
Rewards2
  • Earn one point with each $1 of net purchases
  • Rewards up to 1% return on each net dollar spent

Annual Fee: $01

4.3 / 5 4.3 / 5
Platinum
Save money with rates as low as 7.99% APR1
Platinum
Save money with rates as low as 7.99% APR1
Excellent card! Awesome benefits! As always great customer service from NFCU!
— Member Review
Annual Fee:
$01

 4.6 / 5
nRewards Secured
Build your credit while earning rewards on purchases.2
nRewards Secured
Build your credit while earning rewards on purchases.2
I would recommend it to anyone who needs a secured card as long as they were eligible.
— Member Review
Rewards2
  • Earn one point with each $1 of net purchases
  • Rewards up to 1% return on each net dollar spent

Annual Fee: $01

4.7 / 5 4.7 / 5
 
Variable
APR Between1
Annual Fee1
Rewards2
Foreign Transaction Fees1
Balance
Transfer Fee1
 
9.90% - 18%APR
$0
1.5% cash back on purchases
none
none
9.74% - 18%APR
$0
3X points on restaurants, 2X points on gas and 1 point on everything else3
none
none
10.24% - 18%APR
$49
Earn two points per $1 of net purchases
none
none
9.24% - 18%APR
$0
Earn one point per $1 of net purchases to redeem for gift cards and merchandise
none
none
8.24% - 18%APR
$0
none
none
9.24% - 18%APR
$0
Earn one point per $1 of net purchases to redeem for gift cards and merchandise
none
none
Included with All Navy Federal Credit Cards
Features
  • Easy payment options
  • 24-hour online Account Access
  • No balance transfer fees1
  • Chip technology
Protection
  • We protect you from unauthorized purchases with the Navy Federal Zero Liability policy
  • We notify you of unusual activity and protect you from credit card fraud
  • You have the choice of three affordable optional Payment Protection Plans

Already Have a Card?

 

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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.

1Currently, rates range from 8.24% 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. $49 annual fee for Visa Signature Flagship Rewards. See Credit Card Rates, Fees and Other Cost Information.

2Earn 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 purchases, loading or re-loading of Navy Federal prepaid and gift cards (e.g., Navy Federal gift cards, Visa® Buxx Cards, GO Prepaid Cards).

3GO 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. Rewards only 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, or fees of any kind, including annual fees, finance charges, late fees, returned check fees, ATM transaction fees, and foreign transaction fees. In addition, Navy Federal cash equivalent transactions, such as the purchase, loading, or re-loading of Navy Federal gift and prepaid cards (e.g., Navy Federal gift cards, Visa Buxx Cards, GO Prepaid Cards), are also not eligible purchase transactions and do not earn rewards. For more information, view the GO REWARDS Program Description Guide.

4Program excludes Navy Federal Business and Home EquityLine Visa Platinum credit cards and Navy Federal Debit Cards.

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Message and data rates may apply. Terms and Conditions are available.

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