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Navy Federal Visa cashRewards Card

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This card comes as a Visa or Mastercard, and is only available to NFCU members. You’ll get 1.5% cash back on all purchases and a handful of benefits, for no annual fee.

Our rating
Min. credit level: Fair
Annual Fee: $0
Regular APR: 9.65% - 18.00% Variable
Intro Purchase APR: 1.99% for 6 months

Navy Federal Visa cashRewards Card

Our rating
Fair Min. credit level
$0 Annual Fee
How To Apply Read Our Review

Highlights & Features


Spending Rewards
  • 1.5% cash back for all purchases
Introductory Bonus
  • $250 cash back for spending $2,500 in the first 90 days of account opening

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR 9.65% - 18.00% Variable
Balance Transfer Fee $0
How to Transfer a Balance on a Credit Card


Penalty APR N/A
Late Fee Up to $20
Returned Payment Fee Up to $20
Additional Cards Annual Fee N/A
Foreign Transaction Fee $0
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR 2% above your variable APR
Cash Advance Fee $0
How to Get a Cash Advance with a Credit Card

Card Benefits

  • Free Credit Score
  • Auto Rental Insurance

Navy Federal Credit Union

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-888-842-6328 or

Try a different phone number

This card is issued by the Navy Federal Credit Union (NFCU), and is only available to those who have participated in the military, some other federal programs, or their families. You’ll find a full explanation of the eligibility requirements on Navy Federal’s website.

Cardholders get 1.5% cash back on all purchases, with no limit or expiration date.

If you apply for the Visa option, you’ll first be considered for a Visa Signature, and if you’re not approved for that you’ll likely be considered for a Visa Platinum. Same rules apply when you choose the Mastercard option with the World Mastercard/standard Mastercard versions.

Some Visa Signature benefits may include the Visa Concierge Service, travel and shopping discounts, and an extended warranty service. World Mastercard benefits also include a concierge service, as well as a complimentary ShopRunner membership and a onefinestay discount.

This card comes with no annual fee, no balance transfer or cash advance fees, and no foreign transaction fees.

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