APR as low as 9.65%1

Variable, rate subject to change monthly. Rates are based on evaluation of credit history, so your rate may differ. Repayment terms of 2% of outstanding balance or $20, whichever is greater.

Features and Benefits

Earn big rewards by shopping with your Navy Federal credit card at our exclusive online shopping mall.


V.me makes paying online easy.
Learn more.

Single or joint account, authorized users 25-day grace period on purchases.*

Rewards: Get up to 1.5% cash back on all purchases1

Rewards Redemption

Start redeeming cash back as soon as you earn it.

Rewards Limit


Rewards Expiration


Redeem Rewards Points

Annual Spend
Cash Back
$0.01 - $10,000.00 1.00%
$10,000.01 + 1.50%
1See Credit Card Rates for details. Earn 1.5% cash back on net purchases of $10,000.01 and greater, or 1.0% cash back on net purchases up to $10,000.00 within the 12-month period, beginning on the date your account is opened, and each succeeding year.
2Program excludes Navy Federal Business and Home EquityLine® Visa® Platinum Credit Cards and Visa Check Cards.
*Rates range from 9.65% APR to 18% APR, are variable, and are based on creditworthiness. 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.