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Navy Federal Credit Union

GO REWARDS® Credit Card

Get More With GO REWARDS®

Purchase & Balance Transfer Variable
APR Between

9.99% - 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 GO REWARDS account, you'll earn 3 points at restaurants, 2 points on gas and 1 point on everything else.1


  • Rewards Expiration: 4 years from
    date earned
  • Rewards Limit: None
  • Start Redeeming: 1,000 points



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 Your Rewards Can Add Up:3

To see your rewards, type in your monthly spending on Restaurants,
Gas and Everything Else. Then press ENTER.

  • 3x Restaurants
  • 2x Gas
  • 1x Everything Else

Or, move the slider to your total monthly spend.

Below is a sample of redemption options based on the annual points total.
A complete rewards catalog is available to cardholders via Online Banking.

  • Total points earned in the first year: 20,040
  • Limited Time Offer Plus, 10,000 bonus points:3 10,000
  • Total points earned in the first year: 32,000

By clicking "Apply Now," you are applying for a GO REWARDS 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 GO REWARDS Card. If your credit line is $5,000 or greater, you will receive a Visa Signature® GO REWARDS Card. The benefits of GO REWARDS accounts differ from those for Visa Signature GO REWARDS accounts.

1GO 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. Earn 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, the following transactions: cash advances, convenience checks, balance transfers, or fees of any kind, including finance charges, late fees, returned check fees, and ATM transactions 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. 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 and will receive 1 point per dollar spent. Superstores, supermarkets and warehouse clubs that sell gasoline are ineligible and not considered gas stations. You will earn 1 point per dollar spent. For more information, view the GO REWARDS Program Description Guide at

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 points earned may vary depending on credit card use.

Navy Federal Rewards

Get rewarded by earning one point per dollar you spend. Just make a purchase, and your points will be automatically added to your account once the transaction has posted. You can redeem your points for travel, cash back, merchandise, gift cards or exciting experiences. When you see how quickly the rewards add up, you'll understand why so many of our members shop with a Navy Federal rewards card!

Learn more about Navy Federal Rewards.

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 Visa Signature® GO REWARDS® Card Program Description, Visa GO REWARDS® Card Program Description or Mastercard® GO REWARDS® Card Program Description.

Mastercard Standard MasterRental® Insurance Coverage

Auto Rental Collision Damage Waiver Program

Visa Signature® GO REWARDS® Benefits Guide

Product Reviews

Account Management

How can I manage my credit card account?

Sign in to Online Banking or visit our secure mobile website on any mobile device to view and manage your account.

Can I add an authorized user to my account?

Yes, you can add up to four authorized users. An authorized user is someone who can make purchases with your credit card but who isn’t an account owner. An authorized user is not financially responsible for the account, but is reported to the credit bureaus as being authorized to use your account.

What information do I need to add an authorized user to my account?

You’ll need to provide the authorized user’s Social Security Number, date of birth, their address and the name that should be printed on the card.

How do I add an authorized user to my account?

To get started, please send us a secure message through Online Banking or call us at 1-888-842-6328.

Credit Line Increases

How can I request a credit line increase?

Sign in to Online Banking to submit your line increase request. If you prefer, you may send us a secure message through Online Banking or call us at 1-888-842-6328.

What information do I need to request a credit line increase?

You’ll need:

  • employment information
  • income details
  • housing expenses

Will you pull my credit report?

Yes. When you submit a credit line increase application, you'll be asked to give Navy Federal permission to obtain a consumer credit report so we can evaluate your creditworthiness.

Why was my recent credit line increase request denied?

The most common reasons for denial are listed below. However, for specific reasons please refer to the letter we sent you informing you of the denial. If you have any questions regarding the notice you received, please send us a secure message through Online Banking or call us at 1-888-842-6328.

If your letter says…Explanation
Your Navy Federal account is too newWe like to see at least three months of on-time payments on an existing Navy Federal Credit Card account before approving an increase to its credit line.
There has recently been a change to the credit line on this accountWe generally grant credit line increases on an existing credit card account no more than once every six months.
Delinquent past or present credit obligations with othersYour credit report shows you’ve paid one or more creditors late.
Income insufficient for amount of credit requestedBased on information provided in your application, your current credit line is appropriate given your stated income.
Excessive credit obligationsYour credit report shows high utilization of revolving lines.
Excessive credit obligations in relation to incomeYour total monthly payment obligations exceed our debt-to-income standards.

Security & Privacy

How do I request a new or replacement card and PIN?

To get started on this, please send us a secure message through Online Banking or call us at 1-888-842-6328.

How can I report a lost or stolen credit card?

If your card is lost or stolen, or you suspect you’re a victim of fraud or identity theft, please call us immediately at 1-888-842-6328 or send us a secure message through Online Banking. We’ll put an immediate hold on your account.

What’s a chip card?

Chip-enabled cards have an embedded chip on the front, which securely transfers your account data to merchants through a chip-enabled card reader. Both the chip and the transaction are heavily encrypted. This makes it more difficult for your account to be compromised.

What are my Digital Wallet options?

We offer Apple Pay, Android Pay and Samsung Pay for use in stores and Visa Checkout® and Masterpass for online purchases. Digital Wallets provide a secure alternative to entering your Navy Federal card information. At a register, simply wave your phone at the terminal to pay. Online, you’ll quickly sign in to avoid typing your card and contact information. Enrolling is easy.

Disputes & Fraud Claims

What's the difference between a billing dispute and a fraud claim?

A billing dispute is when you tell us that you believe there's an error regarding a transaction or calculation, or when you tell us you have a concern as to the property or goods purchased with your credit card. For example, you believe you’ve been overcharged or you haven’t received the product or service for which you paid.

A fraud claim is when you tell us you did not authorize a transaction appearing on your account. For example, you believe you were charged for something you didn't authorize.

How do I file a billing dispute?

Sign in to Online Banking to complete our dispute form or call 1-888-842-6328.

How do I report fraud on my account?

To prevent further fraudulent charges, please call us immediately at 1-888-842-6328 or send us a secure message through Online Banking so we can put a hold on your account and discuss further details regarding your case. You may also report fraud by signing in to Online Banking, selecting “Account Services” and then selecting “Report Fraud” in the “Online Account Management” section.

How long will it take to resolve my billing dispute or fraud claim?

The length of time varies. Resolution will occur within two complete billing cycles (but in no event later than 90 days) from the date you notify us to complete our investigation and report the results back to you.

Balance Transfers

How do I transfer a balance from another credit card to my Navy Federal Credit Card?

To get started, visit the "Transfers" tab along the top menu in Online Banking or call us at 1-888-842-6328.

What information do I need to submit a balance transfer?

You’ll need:

  • the name and address of the other financial institution (Navy Federal accounts are excluded)
  • your account number at that financial institution
  • the amount you’d like to transfer

When will the balance transfer post to my account?

For new accounts, it typically takes between 10 and 14 days after your account is opened for the balance transfer to post to your account. Continue to make your minimum payments in the interim.

For existing accounts, it typically takes between 3 and 5 days.

Rates and Payments

What’s the U.S. Prime Rate?

It’s a benchmark interest rate used by financial institutions to set rates on consumer loan products (such as credit cards). The U.S. Prime Rate is based upon, and generally changes with, the Federal Reserve’s Fed Funds Rate. You can find the current U.S. Prime Rate in the money rates column of The Wall Street Journal.

What’s APR?

APR (annual percentage rate) is the rate of interest you'll pay on your credit card annually.

What’s the APR for my credit card?

You can find the APR on your periodic credit card statements for that billing period or via Mobile or Online Banking.

How is the variable APR for my credit card determined?

Your Standard variable APR is determined and adjusted monthly on the first business day of the month by adding a Margin to the U.S. Prime Rate published in The Wall Street Journal on the first day of the previous month. Your Margin is a percentage amount that we determine based on an evaluation of your credit history. Your cash advance rate is 2% higher than your Standard APR, not to exceed the amount specified in your Account Agreement. Currently, APRs for federal credit union loans are capped at 18%.

For example: If the U.S. Prime Rate is 4% and your Margin is 5%, then your variable APR for purchases, balance transfers and convenience checks will be 9% APR (4% Prime Rate + 5% Margin = 9% APR). Your APR for cash advances will be 11% APR (4% U.S. Prime Rate + 5% Margin + 2% cash advance added rate = 11% APR).

When does interest apply?

Interest applies only to your credit card’s outstanding balance at the time your account cycles. Your payment due date is 25 days after the close of each billing cycle. If you pay your entire balance by the due date each month, you aren’t charged interest on your purchases. For cash advance, balance transfer, and convenience check transactions, interest is assessed from the date the transactions post to your account.


Will I be charged any additional fees for using my credit card overseas?

No. We don’t charge foreign transaction fees on any of our credit cards; however, we do charge fees for obtaining cash advances using non-Navy Federal ATMs in the U.S. and in foreign locations.

What should I do before traveling to safeguard my credit card account?

You can set up a Travel Notification through our mobile app* or send us a secure message through Online Banking. Be sure to let us know the dates you’ll be traveling, where you’re going and any layovers.

Already have the card? Sign in to view your transactions and redeem points. Don't have Account Access? Sign up now.
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