Elevate Your Business’ Purchasing Power

Our business credit card comes with more than a great rate, no annual fee and your choice of rewards. It allows you to keep your business and personal financials separate while also tracking and managing your expenses.

APR as low as 1

Prime+ 5.90%

Annual Fee 2



1 point 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

Business credit card terms and conditions PDF


Start redeeming at 1,000 points for cash, travel and gift cards. Rewards up to 1% return on each dollar spent.

Sample Rewards

Points Rewards
5,000 points $50 gift card from Best Buy®5
10,000 points $100 cash back
25,000 points $250 round-trip airline ticket

Business Rewards Card Program Description PDF

Additional Benefits


A Navy Federal Business Solutions Visa credit card offers your small business the advantage of Visa SavingsEdge®. From ordering business supplies to entertaining clients, it's your key card to making more brilliant business decisions.

Save up to 15% on qualifying business purchases from participating merchants, including:

  • Travel services

  • Information technology solutions

  • Shipping services

  • Restaurants

Learn More about Visa's SavingsEdge business credit card.


Business Solutions 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?

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

Already a Navy Federal member, but not yet a Business Solutions member?

Join Today

Already a Business Solutions member and ready to apply for a credit card?


1 The Wall Street Journal Prime Rate. As of 5/1/20, rates range from 9.15% APR to 18% APR, are based on creditworthiness, and will vary with the market based on the Prime Rate.

2 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.

3 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, or fees of any kind, including finance charges, late fees, returned check fees, and ATM cash advance fees. Cash equivalent transactions, such as the purchase, loading, or reloading 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.

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

5 Best Buy, The Best Buy logo, tag design and BestBuy.com are trademarks of BBY Solutions, Inc.