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Navy Federal Credit Cards: What You Need to Know

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US Navy

With more than 5 million members, Navy Federal Credit Union is one of the most visible credit unions in the U.S. Launched in 1933, it caters to men and women who’ve served in the armed forces, Department of Defense, Coast Guard or National Guard. Whether you’ve left the military, switched employers, retired or moved, Navy Federal says it stands by the motto, “Once a member, always a member.” Navy Federal offers a wide range of credit cards, which you’ll want to use wisely to avoid high interest or debt. Keep in mind the right credit card for you will vary by how you spend. Here’s how to choose one, along with an overview of the various credit cards Navy Federal offers.

How to Pick a Navy Federal Credit Card

When applying for a credit card, it’s good to have done your homework beforehand. Navy Federal offers five different cards, several of which are cards that offer cash back, no annual fees or low interest rates.

If you like to travel, a travel rewards card, which offers perks on airline miles, checked bags and room upgrades, may be a better fit than what Navy Federal offers. Just remember to spend wisely so you don’t lose your hard-earned rewards to high interest or debt. If saving on everyday purchases is a bigger priority, you can opt for a cash back credit card like those offered by Navy Federal. These cards reward spending on regular items like gas, restaurants and retail. If your credit is poor, a secured credit card, which requires a cash deposit that serves as your credit line, may be the better option for rebuilding your credit. (You can view two of your credit scores for free on Credit.com.)   

Now that we’ve explained what Navy Federal offers, read on for our reviews, based on perks and overall terms. For full details on each card, please see the card agreements.

Our Review of Navy Federal Credit Cards

Navy Federal’s Visa Signature cashRewards Card

Navy Federal’s Visa Signature cashRewards Card

Card Highlights: Cash back can be redeemed once you’ve earned it.

Rewards Details: Cardholders earn 1.5% cash back for every dollar spent. There are no monthly or annual caps on cash back rewards.

Annual Fee: None

APR: Variable 11.15% to 18%

Navy Federal’s GO REWARDS Card

Navy Federal’s Visa Signature GO REWARDS Card

Card Highlights: This card gives great rewards for everyday purchases. 

Rewards Details: Cardmembers earn three points at restaurants, two points on gas, and one point on everything else. Points can be redeemed for gift cards, travel-related awards and merchandise. There are no monthly or annual caps on cash back rewards.

Annual Fee: None

APR: Variable 10.49% to 18%

Navy Federal’s Visa Signature Flagship Rewards

Navy Federal’s Visa Signature Flagship Rewards

Card Highlights: This card offers serious rewards for frequent card swipers.

Rewards Details: Cardholders earn two points for every dollar spent, period. There is no limit to how many points you can earn, and points never expire. 

Annual Fee: $49

APR: Variable 11.49% to 18%

Navy Federal Platinum Card

Navy Federal Platinum Card

Card Highlights: This card offers a low interest rate and comes in Visa and MasterCard versions.

Rewards Details: Cardmembers can earn statement credits through Member Mall.

Annual Fee: None

APR: Variable 7.49% to 18%

Navy Federal nRewards Secured Card

Navy Federal nRewards Secured Card

Card Highlights: This secured credit card is ideal for those looking to build or repair their credit and comes in Visa and MasterCard versions.

Rewards Details: Cardmembers earn one point for every dollar spent on purchases, which can be redeemed for gift cards, cash, and merchandise.

Annual Fee: None

APR: Variable 10.49% to 18%

Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.


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