APR as low as 8.99%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: Earn one point per dollar spent.

Point Redemption

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

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. Applebee's is a registered trademark of Applebee's International, Inc. Outback Steakhouse is a service mark of Bloomin' Brands, Inc. Best Buy, The Best Buy logo. tag design, and BestBuy.com are tradmarks of BBY Solutions. Inc. Macy's, macys.com, and the Macy's logo are all trademarks of Macy's. The Home Depot is a registered trademark of Homer TLC, Inc. Rates range from 8.99% 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.
2 Program excludes Navy Federal Business and Home EquityLine Visa® Platinum Credit Cards and Visa Check Cards.