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Navy Federal Rewards

A Great Rewards Card Gives the Term
"Spend Wisely" an Entirely New Meaning
Redeem Now

Are you looking to get cash back or a gift card? Maybe you're already a frequent flier or hope to travel more. As a Navy Federal member, you have options when it comes to your credit card rewards.

How to Earn Point Rewards1

With a Navy Federal rewards card, you'll earn at least one point for each dollar you spend, no matter if you spend it on groceries or a trip around the world. Just make a purchase with your GO REWARDS®, nRewards® or Visa Signature® Flagship Rewards Card and your points will be automatically added
to your account.

How to Earn Cash Back Rewards1

If you have a Navy Federal cashRewards card, you'll earn 1.5% cash back for each dollar you spend on your favorite things. Your cash back rewards are earned as soon as you make a purchase, and you can choose to redeem your cash back into a checking, savings or money market savings deposit, or as a statement credit back to your cashRewards card.

 

Earn more rewards when you make purchases with Member Mall® 2 on the same purchases you'd buy in store or through a retailer's website. Plus, you'll enjoy other great perks.

Start Redeeming Your Points or Cash Back
1
Simply log in to Navy Federal Online®
Account Access.
2
Choose your rewards card under
"Loans & Credit Cards."
3
Locate your "Rewards Points" and select "Rewards" to enter the redemption center.

Browse Our Rewards Cards

<em>cash</em>Rewards Card cashRewards
No limit on cash back you can earn, and rewards never expire
Earn 1.5% cash back
on purchases
Redeem cash back as a statement credit, or into your checking, savings or Money Market Savings Account
Flagship Rewards Card Visa Signature Flagship Rewards
No limit to the points you can earn, and they never expire
Earn 2 points for each dollar spent
Redeem points for travel, cash, gift cards or merchandise
GO REWARDS Card GO REWARDS
No limit on points you can earn
Earn 3x the points at restaurants, 2x the points on gas and 1x on everything else2
Redeem points for travel, cash, gift cards or merchandise
nRewards Card nRewards
Our lowest rate rewards card
Earn 1 point for each dollar spent
Redeem points for gift cards or merchandise
nRewards Secured Card nRewards Secured
Earn rewards while building or repairing your credit
Earn 1 point for each dollar spent
Redeem points for gift cards or merchandise

Planning an Escape?

Your Visa Signature Flagship Rewards and GO REWARDS cards give you the flexibility to book travel on the redemption center, or you can use your rewards points to pay for travel booked on your favorite travel sites! After you've found the best deal, send us a secure eMessage via Account Access or call 1-888-842-6328, and we'll redeem your rewards and post the credit for your airfare or cruise back to your account. You can even redeem your points after you get back from your trip.*

*Only available for Visa Signature Flagship Rewards and GO REWARDS cards.

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 purchase, 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 Equity Line Visa Platinum credit cards and Navy Federal Debit Cards.

2GO REWARDS credit cards earn 3 points for every $1 of net purchases made at restaurants, 2 points for every $1 of net purchases made for gas, and 1 point for every $1 of other net purchases. A GO REWARDS restaurant or gas purchase may only earn 1 point per dollar spent, depending on the merchant code used to process the transaction. Restaurants located within another establishment (e.g., hotel, casino, commissary, grocery store, event venue) may be ineligible, in which case you will receive 1 point per dollar spent at these locations. In addition, superstores, supermarkets and warehouse clubs that sell gasoline are not considered gas stations, so you will earn 1 point per dollar spent at these locations. Rewards only earned 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, the following transactions: cash advances, convenience checks, balance transfers, or fees of any kind, including annual fees, finance charges, late fees, returned check fees, ATM transaction fees, and foreign transaction fees. In addition, Navy 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 Cards, GO Prepaid Cards), are also not eligible purchase transactions and do not earn rewards. For more information, view the
GO REWARDS Program Description Guide.

See Credit Card Rates for details.

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