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You can choose to apply for either a Visa or Mastercard, and you’ll get the same gas and restaurant rewards for each version. You can only apply for this card if you’re an NFCU member.

Our rating
Min. credit level: Fair
Annual Fee: $0
Regular APR: 10.49%–18.00% Variable


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

Highlights & Features


  • 3X points per dollar spent at Restaurants
  • 2X points per dollar spent on Gas
  • 1X point per dollar spent on all other purchases

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 10.49%–18.00% Variable
Balance Transfer Fee None
How to Transfer a Balance on a Credit Card


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 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
How to Get a Cash Advance with a Credit Card

Card Benefits

  • Concierge Service
  • Zero Liability on Unauthorized Charges
  • Discount Portal
  • Extended Warranty Protection


  • Earn 3X points per dollar spent at restaurants
  • Earn 2X points per dollar spent on gas
  • Earn 1X point per dollar spent on all other purchases
  • Option to choose Visa or Mastercard and potentially receive Visa Signature or World Mastercard benefits
  • Cell phone protection
  • Access one of your FICO scores
  • No balance transfer fees
  • No cash advance fees
  • No foreign transaction fees
  • No annual fee

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

1-888-868-8123 or

Try a different phone number

The GO REWARDS® Credit Card offers Visa or Mastercard benefits and rewards for everyday purchases. When you apply, you’ll be able to select whether you want a Visa or Mastercard version.

This card earns 3X points per dollar spent at restaurants, 2X points per dollar spent on gas, and 1X point per dollar spent on everything else.

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

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 has no annual fee.

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