How to Choose the Right Navy Federal Credit Union Credit Card?
Sometimes, choosing the best credit card from a specific credit card issuer is quite challenging. Considering Navy Federal Credit Union, the three following steps can make your decision process easier.
First and foremost, you are to check your current credit score. It can vary from "Poor” to “Excellent”, and the higher your credit score is, the better Navy Federal Credit Union credit card offers and terms are available to you.
Then, you need to understand why you want a Navy Federal Credit Union credit card and determine key aspects your future credit card should have. If you want a credit card to increase your credit score, then look for the ones with long grace period and no annual fee. If your goal is to save money on interest, Navy Federal Credit Union credit cards with the lowest interest and introductory rates are your option. If you need a credit card with cash, points, or miles rewards, pay attention to the rewards program offered by Navy Federal Credit Union.
Finally, compare the Navy Federal Credit Union offers you think are the best for you, but considering all the aspects. Overall, the perfect credit card fits the following characteristics: low annual percentage rate (APR), low fees, high credit limit, and generous rewards and sign-up bonuses. You can easily compare Navy Federal Credit Union credit cards in the table below.
Side-by-Side Comparison of Navy Federal Credit Union Credit Cards
Card Name
| APR
| Annual fee
| Rewards
| Intro offer
|
---|
Platinum
| 11.24% - 18.00% Variable
| $0
| This card doesn't offer cash back, miles or points. | No current offer. |
GO REWARDS®
| 14.24% - 18.00% Variable
| $0
| 3x Points per dollar spent at restaurants.2x Points per dollar spent on gas.1x Point per dollar spent on everything else. | No current offer. |
GO BIZ Rewards Mastercard® Business
| 14.40% - 18.00% Variable
| $0
| 1x Points per dollar spent on eligible net purchases. | No current offer. |
cashRewards Visa Signature®
| 14.90% - 18.00% Variable
| $0
| 1.75% Cash Back on your purchases when you get a cashRewards card and enroll in direct deposit. Without direct deposit, you’ll still earn 1.5% Cash Back. | $300 Cash Back when you spend $3,000 within 90 days of account opening. |
Visa Signature®​ Flagship Rewards
| 15.24% - 18.00% Variable
| $49
| 3x Points on travel.2x Points on everything else. | 40,000x Bonus points (a $400 value) when you spend $3,500 within 90 days of opening your account. |
nRewards® Secured
| 18.00% Variable
| $0
| 1x Point for every dollar spent on all purchases. | No current offer. |
More Rewards American Express®
| 14.90% - 18.00% Variable
| $0
| 3x Points at restaurants and on food delivery.3x Points at supermarkets.3x Points on gas and transit.1x Points on everything else. | No current offer. |
Conclusion
Today, Navy Federal Credit Union has a range of credit cards with various features, yet it’s important to find the one that designed for you.