It’s our mission to help make your holidays bright. Stay on top of the holiday hustle and bustle and find more reasons to smile this season with Navy Federal Credit, Gift and Debit Cards.

1Offer valid for cardholders issued new cashRewards credit card accounts. To be eligible for the $100 cash back, you must make $1,000 or more in net purchases within 90 days of account opening. Earn 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, 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. Cash equivalent transactions, such as the purchase, loading, or re-loading of gift and prepaid cards (e.g., money orders, Visa® Buxx Cards, GO Prepaid Cards and other cash equivalent gift cards), may not be eligible purchase transactions and may not earn rewards. Please allow up to eight weeks after the 90-day period for the $100 to post to your rewards balance. Account must be open and not in default at the time the $100 is scheduled post to your rewards balance. Limit of one promotional offer at account opening. Excludes Navy Federal Business cards.

2As of 11/1/18, rates range from 11.65% APR to 18% APR, are based on creditworthiness, and will vary with the market based on the U.S. 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 foreign transaction.

3Terms and conditions are applied to gift cards. Cards ordered online in amounts between $15 and $200 can be mailed to the purchaser or card recipient. Cards ordered between $201 and $500 must be mailed to the purchaser. Cards are mailed with instructions and the terms and conditions. Members buying gift cards online can pay with a Navy Federal Debit Card or Navy Federal Visa or Mastercard® Credit Card. Members buying gift cards in branches can pay with checking or savings account, cash or Navy Federal Credit Card. Navy Federal Credit Cards will no longer earn rewards for cash equivalent transactions, such as the purchase, loading, or reloading of Navy Federal Visa Buxx Cards, Navy Federal GO Prepaid Cards and Navy Federal Visa Gift Cards. Additional rewards program descriptions are available at

4Navy Federal's Zero Liability policy protects you against fraudulent use of your card. We won’t hold you responsible for unauthorized purchases made in-store, over the telephone or online. For specific restrictions, limitations and other details, see your Cardholder Agreement.

5Program excludes Navy Federal Business and Home Equity Line Visa Platinum credit cards and Navy Federal Debit Cards. Rewards are subject to change and vary by merchant. Reward types will be based on the member's purchasing credit card. cashRewards cardholders will receive cash back. Platinum cardholders will receive a statement credit, and all others will receive points.

36026-LP (10-18)