Navy Federal Credit Union
Navy Federal Credit Union

GO REWARDS® Credit Card

Get More with GO REWARDS

Purchase & Balance Transfer Variable
APR Between

9.49% - 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 3X the points at restaurants, 2X on gas and 1X on everything else.2


  • 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 Points Can Add Up:4

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 Account Access.

  • Total points earned in the first year:2 20,040
  • Limited Time Offer Plus, 10,000 bonus points:3 10,000
  • Total points earned in the first year: 32,000

1Currently, 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.

2GO 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 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. 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.

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

4This 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.

*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 for GO REWARDS accounts differ from those for Visa Signature GO REWARDS.

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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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