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
- No annual fee1
- No balance transfer fee1
- Unlimited rewards
- Rewards never expire
- No minimum redemption level—redeem whenever you want!
Earn big rewards by shopping with your Navy Federal credit card at our exclusive online shopping mall.
Single or joint account, authorized users 25-day grace period on purchases.*
Rewards: Get up to 1.5% cash back on all purchases1
Start redeeming cash back as soon as you earn it.
See 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.