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Elevate Your Business’s Purchasing Power

Our GO BIZ® Rewards credit card can help keep your business moving forward. You’ll expand your buying power and enjoy a great rate, no annual fee, your choice of rewards and more.

The GO BIZ Rewards card also makes it easier to track and manage your business expenses and keep your business and personal finances separate. Plus, with its contactless technology, you can make purchases quickly and securely with just a tap.

Start an Application

Variable APR1

14.40% - 18%

Annual Fee2



1X points per dollar spent

Features & Benefits

  • Available as Visa® or Mastercard®
  • No foreign transaction fees
  • No earnings cap4
  • Great for travel and expenses
  • Multiple cardholders available
  • Zero Liability policy for unauthorized transactions

Business credit card terms and conditions PDF

The GO BIZ Rewards Credit Card Is Ideal for All Businesses

Single- or multi-owner businesses

Small business owners who are ready to start a business account

Businesses with many travel requirements or that want to expand their buying power

Additional Benefits


With a Navy Federal GO BIZ® Rewards Visa Credit Card, you’ll not only expand your small business’s buying power—you’ll also have access to Visa’s special security benefits.

  • Protections & Insurance
  • Travel Services
  • Discounts & Deals
  • Business Support Services


GO BIZ® Rewards Mastercard cardholders enjoy additional business programs and benefits to empower their purchases. Mastercard’s suite of offerings make managing small business spending simpler. Select services include:

  • Exclusive Business Advantages
  • Cellular Wireless Telephone Protection
  • Mastercard ID Theft Protection™
  • MasterRental® Collision Damage Waiver

Ready to Apply? Here's How

To be eligible for Business Solutions offerings, business owners must first be members of Navy Federal Credit Union.

If you're already a business member, here's how to apply for a GO BIZ® Rewards credit card.

Single-Owner Businesses:

  • Begin the application process by signing in to our secure portal using your Navy Federal personal credentials.

Sign In to Apply

Multi-Owner Businesses:

  • Complete the application form and beneficial owner form (if required). Print them out and sign with a pen (digital signatures aren’t accepted). Then scan the signed document(s) and submit online using your Navy Federal business credentials.

You’ll receive an update approximately 7–10 business days after you’ve submitted your request.

Note: If you’re a Navy Federal employee applying for business credit, you must contact Business Solutions at 1-877-418-1462 to apply.

Submit Your Application



As of 09/01/2023, GO BIZ® Rewards credit card rates range between 14.40% APR and 18.00% APR, are based on creditworthiness, and will vary with the market based on The Wall Street Journal 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.


ATM Cash Advance Fee: None if performed at a Navy Federal branch or ATM; otherwise, $0.50 per domestic transaction or $1.00 per foreign transaction.


Rewards 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, gambling, 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, GO Prepaid Cards and other cash equivalent gift cards), may not be eligible purchase transactions and may not earn rewards.


Points expire 4 years from the month in which they were earned, as long as the account is open.