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

Make your wallet mobile with
Apple Pay™.2

Earn more rewards by shopping with your Navy Federal credit card at Member Mall.

Redeem your Navy Federal credit card rewards.

Visa Checkout makes paying
online easy.

Rewards: Earn one point per net dollar spent.4

Point Redemption

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

Rewards Return

Rewards up to 1%
return on each net dollar spent

Sample Rewards:

Point Limits


Point Expiration

4 years

1See 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 trademarks 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. Currently, rates range from 8.99% 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. Foreign transaction fees: 0.80% of transaction amount if in U.S. dollars, 1% of transaction amount if must convert to U.S. dollars.

2Apple®, the Apple logo, iPhone®, and iSight® are trademarks of Apple, Inc., registered in the U.S. and other countries. Apple PayTM is a trademark of Apple, Inc.

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

4Navy 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 or GO Prepaid cards), do not earn rewards.

MasterPass is a trademark of MasterCard International Incorporated.