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Navy Federal Credit Union Credit Cards

We found 7 Navy Federal Credit Union credit cards. Read on to get more insights.

Navy Federal Credit Union
4.43
By Hanna Volkava
Updated September 01, 2025
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Navy Federal Credit Union Platinum best for 0 APR

Navy Federal Credit Union Platinum

Navy Federal Credit Union® Platinum
Annual fee:
$0
Regular APR:
11.24% - 18.00% Variable
Our Rating:
3.44
scorer
Credit score
Good to Excellent (670-799)
  • Balance Transfer APR:
    11.24% - 18.00% Variable
  • Issuer name:
    Navy Federal Credit Union
  • Details:

    The Navy Federal Platinum Credit Card offers one of the lowest interest rates on purchases and balance transfers ranging from 11.24% to 18% Variable. Plus, there are no balance transfer fees and there’s no annual fee. There’s also an intro APR period on balance transfers for the first 12 months.

    Members also have access to the host of protections provided by Visa, including collision damage waivers, travel and emergency assistance, and protections for purchases to cell phones or any item with a warranty.

    If you’ve temporarily misplaced your credit or debit card, you can freeze the card while you look for it. Once you locate the card, you can unfreeze it in seconds and continue using it.

  • Pros:
    • No Foreign Transaction Fee
    • No Annual Fee
    • Intro APR period on Balance Transfers
  • Cons:
    • No rewards
    • No 0% introductory offer on new purchases
  • Benefits:
    • Zero Liability policy;
    • FICO® Score;
    • Collision Damage Waiver;
    • Cell phone protection;
    • Travel and emergency assistance;
    • Ability to Freeze and Unfreeze Your Account.
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Navy Federal Credit Union GO REWARDS®

Navy Federal GO REWARDS® Credit Card
Annual fee:
$0
Regular APR:
14.24% - 18.00% Variable
Our Rating:
4.17
scorer
Credit score
Fair to Excellent (580-799)
  • Rewards Rate:
    • 3x Points per dollar spent at restaurants.
    • 2x Points per dollar spent on gas.
    • 1x Point per dollar spent on everything else.
  • Balance Transfer APR:
    14.24% - 18.00% Variable
  • Issuer name:
    Navy Federal Credit Union
  • Details:

    GO REWARDS® credit card is issued by Navy Federal Credit Union. The card offers points on restaurants, gas, and other purchases.

    The GO REWARDS® card is ideal for Navy Federal Credit Union members, and those who want to be rewarded for making everyday purchases.

    Read full review

  • Pros:
    • No annual fee
    • Low Intro APR
    • Low Purchase, Balance Transfer, and Cash Advance APR compared to other credit cards
    • Points redeemed for cash, travel, gift cards and merchandise
    • No foreign transaction fee
    • No rewards limit
  • Cons:
    • Limited extra bonuses
    • Credit union membership required
  • Benefits:
    • 3x points per dollar spent at restaurants;
    • 2x points per dollar spent on gas;
    • 1x points per dollar spent on everything else;
    • You can earn more rewards by shopping with your Navy Federal credit card at Member Deals;
    • No rewards expiration while your account is open.
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Navy Federal Credit Union GO BIZ Rewards Mastercard® Business

Navy Federal Credit Union GO BIZ Rewards Mastercard® Business
Annual fee:
$0
Regular APR:
14.40% - 18.00% Variable
Our Rating:
4.01
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 1x Points per dollar spent on eligible net purchases.
  • Balance Transfer APR:
    14.40% - 18.00% Variable
  • Issuer name:
    Navy Federal Credit Union
  • Details:

    The Navy Federal GO BIZ Rewards Mastercard® Business Credit Card is designed to help keep your business moving forward. The Card has no annual fee.

    The Navy Federal GO BIZ Rewards Mastercard® Business features contactless technology, so you can make purchases quickly.

    The Navy Federal GO BIZ Rewards Mastercard® Business offers 1x points per dollar spent on eligible net purchases and up to 15% on qualifying business purchases from participating merchants.

    The Card's APR is 14.40% - 18.00% (Variable for purchases and transfers).

  • Pros:
    • Easily Earn Points on all Purchases
    • No foreign transaction fees
    • No annual fee
    • Personalized redemption options
    • Low APR
  • Cons:
    • No welcome bonus
    • Only valid for Navy Federal members
  • Benefits:
    • 1x points per dollar spent on eligible net purchases;
    • Up to 15% on qualifying business purchases from participating merchants;
    • Multiple cardholders available;
    • Zero Liability policy.
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Navy Federal Credit Union cashRewards Visa Signature®

Navy Federal Credit Union cashRewards Visa Signature®
Annual fee:
$0
Regular APR:
14.90% - 18.00% Variable
Our Rating:
3.92
scorer
Credit score
Fair to Excellent (580-799)
  • Rewards Rate:
    • 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.
  • Intro Offer:
    • $300 Cash Back when you spend $3,000 within 90 days of account opening.
  • Balance Transfer APR:
    14.90% - 18.00% Variable
  • Issuer name:
    Navy Federal Credit Union
  • Details:

    The Navy Federal cashRewards Visa Signature® Credit Card offers $300 Cash Back and 1.5% Cash Back on purchases.

    The Navy Federal cashRewards Visa Signature® Card doesn't charge an annual fee. The APR for purchases and balance transfers is 14.90% - 18.00% Variable.

  • Pros:
    • No Annual Fee
    • No Foreign Transaction Fee
  • Cons:
    • No Intro 0% APR period
  • Benefits:
    • $300 Bonus Cash Back (when you spend $3,000 within 90 days of account opening);
    • 1.5% Cash Back on purchases;
    • No rewards limit, no rewards expiration;
    • Collision Damage Waiver.
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Navy Federal Credit Union Visa Signature®​ Flagship Rewards

Navy Federal Credit Union Visa Signature®​ Flagship Rewards
Annual fee:
$49 annually
Regular APR:
15.24% - 18.00% Variable
Our Rating:
3.54
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 3x Points on travel.
    • 2x Points on everything else.
  • Intro Offer:
    • 40,000x Bonus points (a $400 value) when you spend $3,500 within 90 days of opening your account.
  • Balance Transfer APR:
    15.24% - 18.00% Variable
  • Issuer name:
    Navy Federal Credit Union
  • Details:

    The Navy Federal Visa Signature® Flagship Rewards Credit Card is a travel reward card.

    Open a Flagship Card, and you can get 40,000 bonus points (a $400 value) when you spend $3,500 within 90 days of opening your account. Plus, the Card earns 3x points on travel and 2x points on everything else.

    The annual fee for the Navy Federal Visa Signature® Flagship Rewards Card is $49. The APR for purchases and balance transfers is 15.24% - 18.00% (Variable).

  • Pros:
    • No Foreign Transaction Fee
  • Cons:
    • Annual Fee
  • Benefits:
    • 40,000 bonus points (a $400 value);
    • 3x points on travel;
    • 2x points on everything else;
    • Receive statement credits (up to $100) for Global Entry or TSA Pre✓®;
    • No rewards limit;
    • Worldwide Automatic Travel Accident Insurance;
    • Travel and emergency assistance.
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Navy Federal Credit Union nRewards® Secured

Navy Federal Credit Union nRewards® Secured
Annual fee:
$0
Regular APR:
18.00% Variable
Our Rating:
3.3
scorer
Credit score
No Credit History to Poor (0-579)
  • Rewards Rate:
    • 1x Point for every dollar spent on all purchases.
  • Balance Transfer APR:
    18.00% Variable
  • Issuer name:
    Navy Federal Credit Union
  • Details:

    The nRewards® Secured Credit Card earns 1x point for every dollar spent on all purchases.

    The nRewards® Secured doesn't charge an annual fee. The APR for purchases and balance transfers is 18.00% Variable.

  • Pros:
    • No Annual Fee
    • No Foreign Transaction Fee
  • Cons:
    • No Intro APR period
  • Benefits:
    • 1x point for every dollar spent;
    • No limit on the amount of rewards you can earn;
    • Zero Fraud Liability.
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Navy Federal Credit Union More Rewards American Express®

Navy Federal Credit Union More Rewards American Express®
Annual fee:
$0
Regular APR:
14.90% - 18.00% Variable
Our Rating:
5
scorer
Credit score
Fair to Excellent (580-799)
  • Rewards Rate:
    • 3x Points at restaurants and on food delivery.
    • 3x Points at supermarkets.
    • 3x Points on gas and transit.
    • 1x Points on everything else.
  • Purchase Intro APR:
    1.99% Introductory APR for 6 months
  • Balance Transfer APR:
    14.90% - 18.00% Variable
  • Issuer name:
    Navy Federal Credit Union
  • Details:

    The More Rewards American Express® Credit Card earns 3x points at restaurants and on food delivery, 3x points at supermarkets, 3x points on gas and transit and 1x points on everything else.

    The More Rewards American Express® doesn't charge an annual fee. The Card's APR: 14.90% - 18.00% Variable.

  • Pros:
    • No Annual Fee
    • No Foreign Transaction Fee
  • Cons:
    • No welcome bonus
  • Benefits:
    • 3x points at restaurants and on food delivery;
    • 3x points at supermarkets;
    • 3x points on gas and transit;
    • 1x points on everything else;
    • No rewards limit;
    • Entertainment access;
    • Roadside assistance;
    • Up to 25% off car rental, plus car rental loss & damage insurance.
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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.

    Hanna VolkavaHanna Volkava

    Financial and product expert

    hv@myfin.us

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