Navy Federal Credit Union
Navy Federal Credit Union

GO REWARDS® Credit Card

Reap the Rewards You Deserve

Our GO REWARDS card earns you points toward great rewards with up to 1% return on each net dollar spent.

APR as Low as 9.49%1
  • No annual fee1
  • No balance transfer fee1
  • No foreign transaction fee1
  • Now featuring chip technology

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.

Your quick, simple and secure
way to shop online.


Start redeeming rewards for travel, cash, gift cards or merchandise once you hit 1,000 points! Earn up to 1% return on each net dollar spent. Points expire in four years.

See How Fast They Can Add Up:4

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

  • money
  • Monthly spending

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

  • Points earned in the first year: 12,000
  • Limited Time Offer Plus, 15,000 bonus points:3 15,000
  • Total points earned in the first year: 27,000

1See Credit Card Rates for details. Currently, rates range from 9.49% 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.

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.

4Navy 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 or GO Prepaid cards), do not earn rewards.

5This calculator is intended for educational purposes only. Results are based on input from users and are estimates only; actual rewards earned may vary depending on credit card use. Possible rewards include products, gift cards and experiences from the following vendors: Amazon, AMC Theaters, Avis, Banana Republic, Best Buy®, Blu-Ray, Bose®, Bowflex®, Choice Hotels, Cobra®, Cuisinart®, CVS, Facebook, Fandango®, Hamilton Beach®, Hang Ten, Home Depot®, Hyatt®, iPod classic®, iPod nano®, iPod touch®, iTunes®, Keurig®, Kmart, Kohl's®, Lord & Taylor, Lowe's®, McCormick & Schmick's, Men's Wearhouse®, NASCAR®, Nike®, Outback SteakhouseSM, Regal Cinemas,, The Ritz-Carlton®, Rod and Reel, Ruth's Chris®, Samsung®, Sears®, Sephora®, Starbucks®, Target®, Visa®, Walmart® and Yamaha®. iPod classic, iPod nano, iPod touch and iTunes are registered trademarks of Apple, Inc. iTunes is for legal or rightholder-authorized copying only. Don't steal music.

MasterPass is a trademark of MasterCard International Incorporated.

Navy Federal Rewards

Get rewarded by earning one point for every dollar you spend. Just make a purchase, and your points will be automatically added to your account. 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 GO REWARDS® Card Program Description or MasterCard GO REWARDS® Card Program Description.

MasterCard Standard MasterRental® Insurance Coverage

Auto Rental Collision Damage Waiver Program

Product Reviews

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  • Mortgages5/5 ARM as low as+
  • Auto Loansas low as+
  • Certificatesas high as
  • Checkingas high as
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