Navy Federal Rewards

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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®, Visa Signature® Flagship Rewards or Navy Federal More Rewards American Express® 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® on the same purchases you'd buy in-store or through a retailer's website.2 Plus, you'll enjoy other great perks.

Start Redeeming Your Points or Cash Back

Our rewards site gives you flexibility when redeeming your credit card rewards points.

  • Directly book flights, hotels and car rentals
  • View a detailed summary of your reward program activity
 

To get started, follow the steps below:

1
Simply log in to online banking.
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

Navy Federal More Rewards American Express® Card
No cap on rewards you can earn, and they never expire
Earn 3 points at supermarkets, 3 points at gas stations, 2 points at restaurants and 1 point on everything else3
Redeem points for travel, cash, gift cards or merchandise
cashRewards
No cap 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
GO REWARDS
No limit on points you can earn
Earn 3 points at restaurants, 2 points on gas and 1 point on everything else4
Redeem points for travel, cash, gift cards or merchandise. Use Pay with Points to apply your earned points to past purchases and receive a statement credit.
Visa Signature Flagship Rewards
No cap on rewards you can earn, and they never expire
Earn 2 points for each dollar spent
Redeem points for travel, cash, gift cards or merchandise
nRewards Secured
Earn rewards while building or repairing your credit
Earn 1 point for each dollar spent
Redeem points for gift cards, merchandise and cash back. Use Pay with Points to apply your earned points to past purchases and receive a statement credit.

Planning an Escape?

Your Visa Signature Flagship Rewards Card, Navy Federal More Rewards American Express® Card and GO REWARDS card 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 online banking 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 Card, More Rewards Amex Card and GO REWARDS card.

1Rewards are 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 finance charges, late fees, returned check fees, ATM cash advance fees, and annual fees, if any. 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

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

3More Rewards Cards earn 3 points for every $1 of net purchases made at supermarkets and gas stations, 2 points for every $1 of net purchases made at restaurants, and 1 point for every $1 of other net purchases. A More Rewards supermarket, gas station or restaurant 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.

4GO 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. For more information, view the GO REWARDS Program Description Guide.

The Navy Federal More Rewards American Express® Card is issued and administered by Navy Federal Credit Union. American Express is a federally registered service mark of American Express and is used by the issuer pursuant to a license.

See Credit Card Rates for details.