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Navy Federal cashRewards Credit 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, a low intro APR, and a handful of benefits, for no annual fee.

Our rating
Min. credit level: Fair
Annual Fee: $0
Regular APR: 11.15%–18.00% Variable
Intro Purchase APR: 1.99% for 6 months

Navy Federal cashRewards Credit Card

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

Highlights & Features

Rewards

  • 1.5% cash back for all purchases

INTRODUCTORY BONUS

$150 cash back for spending $3,000 in the first 90 days of account opening

Balance Transfers

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

Intro Balance Transfer APR N/A
Regular Balance Transfer APR 11.15%–18.00% Variable
Balance Transfer Fee None
How to Transfer a Balance on a Credit Card

Fees

Penalty APR 18.00%
Late Fee Up to $20
Returned Payment Fee Up to $20
Additional Cards Annual Fee N/A
Foreign Transaction Fee None
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your credit 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 None at an NFCU branch or ATM; up to $1 otherwise
How to Get a Cash Advance with a Credit Card

Card Benefits

PERKS
  • Free Credit Score
TRAVEL
  • Auto Rental Insurance
ABOUT THE ISSUER

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.