APR as low as 9.49%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.


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

Rewards: Get up to 1% return on each dollar spent

Point Redemption

Start redeeming at 1,000 points for merchandise, gift cards, and travel.

Rewards Return

Rewards up to 1%
return on each dollar spent

Sample Rewards:

Point Limits


Point Expiration

4 years

1 See Credit Card Rates for details. Best Buy, the Best Buy logo, tag design, and BestBuy.com are trademarks of BBY Solutions, Inc. Rates range from 9.49% 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. Foreign transaction fees do not apply to Visa Signature® Flagship Rewards or GOREWARDS.
2 Program excludes Navy Federal Business and Home EquityLine® Visa® Platinum Credit Cards and Visa Check Cards.