Navy Federal Credit Union
Navy Federal Credit Union

nRewards® Credit Card

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
  • No annual fee1
  • No balance transfer fee1
  • Our lowest rate card with rewards
  • Earn one point per $1 spent

Make your wallet mobile with
Apple Pay™.

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 dollar spent.

Point Redemption

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

Rewards Return

Rewards up to 1%
return on each dollar spent

Sample Rewards:

  • 3,500 points for $25 gift card from Applebee's® or Outback Steakhouse®
  • 5,000 points for $50 gift card from Best Buy® or Macy's®
  • 7,500 points for $75 Navy Federal Visa® Awards Card or The Home Depot® gift card

Point Limits

None

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 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. 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.
Apple®, 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.
2 Program excludes Navy Federal Business and Home EquityLine Visa® Platinum Credit Cards and Visa Debit Cards.
Navy Federal Rewards

Get rewarded by earning one point for every dollar you spend. Just make a purchase, and your points will be automatically added to your account. You can redeem your points for merchandise or gift cards. When you see how quickly the rewards add up, you'll understand why so many of our members shop with a Navy Federal rewards card!

Learn more about Navy Federal Rewards.


Collision Damage Waiver

With your Navy Federal Visa® or MasterCard®, you automatically have Collision Damage Waiver (CDW) coverage when you rent a car for 15 days or less and pay for the rental with your covered rewards card. The CDW coverage is secondary to any other applicable insurance or coverage available to you.

Coverage includes physical damage and theft of the rental vehicle, reasonable towing charges, valid loss-of-use charges imposed by the auto rental company, as well as your deductible and any other eligible amounts not covered by other insurance. Only you, as the primary renter of the vehicle, and any additional drivers permitted by the auto rental agreement are covered.

For terms and conditions, see the nRewards Program Description Guide.

MasterCard Standard MasterRental® Insurance Coverage

Auto Rental Collision Damage Waiver Program

Product Reviews

Already have the card? Sign in to view your transactions and redeem points. Don't have Account Access? Sign up now.
  • Mortgages5/5 ARM as low as+
    3.361%APR
  • Auto Loansas low as+
    1.49%APR
  • Certificatesas high as
    3.00%APY
  • Checkingas high as
    0.45%APY
  • Credit Cardsas low as++
    7.99%APR
  • More Rates