Navy Federal Credit Union
Navy Federal Credit Union

nRewards® Credit Card

Rates and rewards that
fit your lifestyle.

Purchase & Balance Transfer Variable
APR Between

8.99% - 18.0%

Credit Card Terms & Conditions

Rates are based on creditworthiness and will vary with the market based on the Prime Rate.

Cash Advance APR is variable and up to 2% higher than purchase APR, but will not exceed 18%.

Repayment terms are 2% of outstanding balance or $20, whichever is greater.


1 point per net dollar spent1

Redeem rewards for gift cards or merchandise.


  • Rewards Expiration: 4 years from
    date earned
  • Rewards Limit: None
  • Start Redeeming: 1,000 points
Sample Rewards:1
  • 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



Balance Transfer


Foreign Transaction

0.80% of the transaction amount if in U.S. 1% of the transaction amount if must convert to U.S. dollars.

Cash Advance

None at NFCU Branch or ATM. $0.50 domestic or
$1.00 foreign at non-NFCU ATMs.


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


Redeem your Navy Federal credit card rewards.


Simplify how you shop both
in-store and online.


Shop with your Navy Federal credit card at participating merchants. Get discounts.
It's that easy.


1Earn rewards on eligible net purchases. "Net purchases" means the sum of your eligible purchase transactions minus returns and refunds. Eligible purchase transactions do not include, and rewards are not earned for, Navy Federal cash equivalent transactions, such as the purchases, loading or re-loading of Navy Federal prepaid and gift cards (e.g., Navy Federal gift cards, Visa Buxx Cards, GO Prepaid Cards).

2Program excludes Navy Federal Business and Home EquityLine Visa Platinum credit cards and Navy Federal Debit Cards.

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

MasterPass™ is a trademark of MasterCard International Incorporated.

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 are trademarks of BBY Solutions, Inc. Macy's,, and the Macy's logo are all trademarks of Macy's. The Home Depot is a registered trademark of Homer TLC, Inc.

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

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