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Navy Federal More Rewards American Express® Card
Navy Federal More Rewards American Express® Card
- 14.65% to 18.00% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 14.65% to 18.00% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 16.65% to 20.00% variable based on the Prime Rate Cash Advance APR
At a Glance
The Navy Federal More Rewards American Express® Card is an everyday rewards card from Navy Federal Credit Union. The card earns 3x points on gas station and grocery purchases, 2X points at restaurants, and 1X points for all their purchases. New account holders also receive 25,000 bonus points when they spend $3,000 on purchases in the first 90 days. The card has no annual fee and no foreign transaction fees.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 25,000 points (a $250 value) when you spend $3,000 within 90 days of opening an account
- A great choice for everyday spending and grocery shopping
- No annual fee
- No foreign transaction fees
- Enjoy 0% APR on purchases for 12 months
- Regular Purchase APR: 14.65% to 18.00% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 14.65% to 18.00% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 16.65% to 20.00% variable based on the Prime Rate
- Cash Advance Transaction Fee: None if performed at a Navy Federal branch or ATM. Otherwise, up to $1 for ATM Cash Advance
- Penalty APR: 18.00%
- Late Payment Penalty Fee: Up to $20
- Return Payment Penalty Fee: Up to $20
- You’re a member of Navy Federal Credit Union
- You don’t want to pay an annual fee
- You want to earn rewards on everyday purchases
- You plan on making at least $3,000 in purchases within the first three months
Navy Federal Visa Signature® Flagship Rewards
Navy Federal Visa Signature® Flagship Rewards
- 14.99% to 18.00% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 14.99% to 18.00% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 16.99% to 20.00% variable based on the Prime Rate Cash Advance APR
- 1.99% for 6 months from account opening date Intro Purchase APR
At a Glance
The Navy Federal Visa Signature Flagship Rewards Card is a travel reward credit card created with our military personnel and their families in mind. The card earns triple rewards points for travel purchases and double points for all other purchases made with the card. New account holders also receive 30,000 bonus points (worth $300) when they make $3,000 in purchases within the first 90 days of opening an account.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 3X points on travel
- Earn 2X points on all other purchases
- $100 statement credit towards TSA Pre-Check or Global Entry applications
- No foreign transaction fees
- Earn 30,000 bonus points (a $300 value) after spending $3,000 within 90 days of opening an account
- Intro Purchase APR: 1.99% for 6 months from account opening date
- Regular Purchase APR: 14.99% to 18.00% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 14.99% to 18.00% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 16.99% to 20.00% variable based on the Prime Rate
- Cash Advance Transaction Fee: None if performed at a Navy Federal branch or ATM. Otherwise, up to $1 for ATM Cash Advance
- Penalty APR: 18.00%
- Annual Fee: $49
- Late Payment Penalty Fee: Up to $20
- Return Payment Penalty Fee: Up to $20
- You’re a member of the U.S. Navy or a family member of Navy personnel
- You want an exception travel rewards card
- You don’t want to pay foreign transaction fees
- You plan to spend at least $3,000 on your card within the first 3 months in order to secure a bonus of 30,000 points
Navy Federal cashRewards Visa Signature® Credit Card
Navy Federal cashRewards Visa Signature® Credit Card
- 14.65% to 18.00% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 14.65% to 18.00% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 16.65% to 20.00% variable based on the Prime Rate Cash Advance APR
At a Glance
The Navy Federal cashRewards Visa Signature® Credit Card is a flexible cash back rewards credit card for current and former servicemembers who want a card that offers the versatility to choose where they use their rewards. This powerful tool for saving money and building credit is issued by Navy Federal Credit Union and features unlimited 1.5% cash back rewards, along with exclusive member deals only available to cardholders.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 1.5% cash back on purchases
- Get $200 Bonus Cash Back
- No annual fee or foreign transaction fees
- No balance transfer fee or cash advance fees
- No rewards limit, no rewards expiratio
- Regular Purchase APR: 14.65% to 18.00% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 14.65% to 18.00% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 16.65% to 20.00% variable based on the Prime Rate
- Cash Advance Transaction Fee: None if performed at a Navy Federal branch or ATM. Otherwise, up to $1 per transaction for ATM Cash Advance
- Penalty APR: 18.00%
- Late Payment Penalty Fee: Up to $20
- Return Payment Penalty Fee: Up to $20
- You are a current or former member of the United States Armed Forces
- You would like to save money with a credit card that has no annual fees and no foreign transaction fees
- You want a credit card that has no rewards limit and no rewards expiration
- You want to put more money back into your wallet by earning 1.5% cash back on all qualifying purchases (in the form of a statement credit)
- You will make a purchase of $2,500 in the first ninety days of opening their account to earn a special introductory cash back bonus of $200
Navy Federal cashRewards World Mastercard®
Navy Federal cashRewards World Mastercard®
- 14.65% to 18.00%% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 14.65% to 18.00%% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 16.65% to 20.00% variable based on the Prime Rate Cash Advance APR
At a Glance
The Navy Federal cashRewards World Mastercard® is a versatile cash back rewards credit card for current and former servicemembers who want the flexibility to choose where they use their rewards – while saving money and building their credit. Issued by Navy Federal Credit Union, this card features unlimited 1.5% cash back rewards and exclusive member deals only available to cardholders.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 1.5% cash back on purchases
- Get $200 Bonus Cash
- No annual fee or foreign transaction fees
- No balance transfer fee or cash advance fees
- No rewards limit, no rewards expiratio
- Regular Purchase APR: 14.65% to 18.00%% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 14.65% to 18.00%% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 16.65% to 20.00% variable based on the Prime Rate
- Cash Advance Transaction Fee: None if performed at a Navy Federal branch or ATM. Otherwise, up to $1 per transactio
- Penalty APR: 18.00%
- Late Payment Penalty Fee: Up to $20
- Return Payment Penalty Fee: Up to $20
- You’re a current or former member of the United States Armed Forces
- You want to save money by using a credit card with no annual fees and no foreign transaction fees
- You want to put more money back into your wallet by earning 1.5% cash back on all qualifying purchases towards a statement credit
- You want a credit card that has no rewards limit and no rewards expiration
- You will make purchases totaling $2,500 in the first ninety days of opening an account to earn a special introductory cash back bonus of $200
Navy Federal GO REWARDS® Credit Card
Navy Federal GO REWARDS® Credit Card
- 13.99% to 18.00% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 13.99% to 18.00% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 15.99% to 20.00% variable based on the Prime Rate Cash Advance APR
At a Glance
The Navy Federal GO REWARDS® Credit Card is a great rewards card that earns 3x points at restaurants, 2x points on gas, and 1x points for everything else. The card is an excellent option for those who are looking to earn handsome rewards for their everyday purchases, but don’t want to pay high-interest rates should they carry a balance. The card has no annual fee, no foreign transaction fees, and the comprehensive protections and member perks people have come to know and expect from a Visa Signature card.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 3X points per dollar spent at restaurants
- Earn 2X points per dollar spent on gas
- 1X point per dollar spent on everything else
- No annual fee
- Earn 15,000 points (a $150 value) after you spend $1,000 within 90 days of opening an account
- Regular Purchase APR: 13.99% to 18.00% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0.99% for 6 months from account opening date
- Balance Transfer APR: 13.99% to 18.00% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 15.99% to 20.00% variable based on the Prime Rate
- Cash Advance Transaction Fee: None if performed at a Navy Federal branch or ATM. Otherwise, up to $1 for ATM Cash Advance
- Penalty APR: 18%
- Late Payment Penalty Fee: Up to $20
- Return Payment Penalty Fee: Up to $20
- You’re a member of the Naval Federal Credit Union
- You want to be rewarded for making everyday purchases
- You frequently purchase gasoline with a credit card
- You don’t want to pay an annual fee or foreign transaction fees
- You want a special promotional APR on purchases and 15,000 bonus points soon after you open an account
You’ve viewed 5 of 9 credit cards
Navy Federal Credit Cards
Navy Federal offers a wide selection of credit cards to fit the needs of all members. Current card options include travel rewards cards, cash back cards, business cards, and a secured credit card.
Features of All Navy Federal CU Credit Cards
Some Navy Federal (NFCU) cards offer unique perks, such as bonus points on travel, cash back, and more. All NFCU credit cards, however, come with the following features, regardless of credit card type, or credit score:
- 24/7 access to U.S.-based membership representatives
- No balance transfer fees
- No foreign transaction fees
- Free access to your FICO scores every month
- Zero Fraud Liability
- Freeze/Unfreeze your card
- Comprehensive fraud alerts and notifications
Navy Federal Credit Union FAQs
As the largest credit union in the United States, there’s plenty of interest in NFCU credit cards. Here are some of the most frequently asked questions about Navy Federal credit cards:
- Most Navy Federal credit cards require a good credit score or an excellent credit score to qualify. The very best Navy Federal cards require a minimum credit score of 700 for approval. Fortunately, there are options for people looking to rebuild their credit score, such as the Navy Federal nRewards Secured Credit Card. Secured credit cards require a cash deposit, which makes them much easier to get for people with a bad credit score- or no credit history. With NFCU secured cards, the deposit is linked to an eligible NFCU savings account or checking account.
- the Navy Federal nRewards Secured Credit Card is the easiest Navy Federal Credit Union credit card to get, since it requires a limited credit history – or no credit history at all.
Navy Federal, like other card issuers, reports to major credit bureaus every month. NFCU currently used Equifax as their source when determining if applicants are eligible for a card product they offer.
- Certain NFCU credit cards, like the Navy Federal Travel Card, earn points in the Navy Federal Flagship Rewards program. Points in the program are redeemable for a variety of award options, including travel, cash back, merchandise, and more. Members can redeem points through Navy Federal Online Banking at navyfederal.org or, by calling toll-free at 1-855-575-4642 (within the U.S.). For more information on Navy Fed credit card rewards, including Navy Federal Flagship credit card benefits, check out our individual reviews above.
- One of the great features of Navy Federal Credit Union credit cards si the ability to replace a lost or stolen card directly at your nearest bank branch. This perk applies at both domestic and international branches, meaning servicemen and women (and their families) never have to be without the purchasing power that comes from a Navy Fed Visa, Mastercard, or rewards American Express card.
- The CU may extend credit limits after a six-month review, but most cardholders need to request a credit line increase personally. To request a line increase, contact stateside representatives at 1 (888) 842-6328 or log in to your account and send a secure message to a representative.
Yes, though always be wary before conducting a cash advance, as the interest rate may be higher than your purchase APR.
If you overpay your statement balance on a secured credit card, you will have a negative balance. Your credit limit will still be the original deposit amount, but you will have a credit for the amount you overpaid.
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