USES

GO REWARDS® from Navy Federal Credit Union Review

GO REWARDS® from Navy Federal Credit Union — all information about the credit card.

Updated June 07, 2024
Advertiser Disclosure Our Methodology
Navy Federal GO REWARDS® Credit Card
Apply now
Our Rating:
4.17 out of 5
scorer
Recommended 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.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    $0
  • Purchase Intro APR:
    None
  • Regular APR:
    14.24% - 18.00% Variable
  • Balance Transfer APR:
    14.24% - 18.00% Variable
Show more

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Navy Federal Credit Union GO REWARDS® Rewards Calculator

How do you record your expenses?
Enter your monthly spendings on:
3X
Dining
$
2X
Gas
$
1X
All other purchases
$
How would you like to redeem points?
Calculate
Your Results
Yearly earnings
$72
Annual fee
$0
Yes, Navy Federal Credit Union GO REWARDS® credit card is worth its annual fee!
How to maximize your Navy Federal Credit Union GO REWARDS® rewards?

Follow these simple steps to make the most of Navy Federal Credit Union GO REWARDS® credit card:

  • Spend more on Dining
  • Redeem most of your points for Travel purchases at all major ailine carriers
  • Pay off your balance in full each month.
  • Make a large purchases plan.

Using these tips will help you not only to cover your annual fee but also to get a net profit from making purchases with Navy Federal Credit Union GO REWARDS®.

Your net profit in the first year
$72
cup of coffee x27
Show less details
You will receive 7,200 points in the first year (equivalent to $72)
Where you get the most profit
  • Dining
  • Gas
  • All other purchases
Dining
$36
Gas
$24
All other purchases
$12
Total
$72
Annual fee
$0
Net yearly credit card profit
$72

All benefits

  • Points
    • 3x Points at restaurants.
    • 2x Points on gas.
    • 1x Points on everything else

Rate and fee information

  • Purchase Intro APR
    • None
  • Purchase APR
    • 14.24% - 18.00% Variable
  • Intro Balance Transfer APR
    • None
  • Balance Transfers APR
    • 14.24% - 18.00% Variable
  • APR for Cash Advances
    • 20.00% Variable

Fees

  • Annual Fee
    • $0
  • Fees for Balance Transfer
    • None
  • Fees for Cash Advances
    • None if performed at a Navy Federal branch or ATM. Otherwise, up to $1 for ATM Cash Advance
  • Penalty Fees
    • 18%
  • Return Payment
    • Up to $20
  • Late Payment
    • Up to $20
View all Rates & Fees

Pros & Cons

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

Features

Classic
Visa
  • Low interest
  • No Annual Fee
  • No foreign transaction fees
  • Rewards
  • Free Credit Score
  • Fair Credit
  • Good Credit
  • Excellent Credit

About the issuer

Navy Federal Credit Union
Navy Federal Credit Union has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your

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Navy Federal Credit Union GO REWARDS® is an option for those, who need Classic features. With an APR of 14.24% - 18.00% and $0 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have Fair to Excellent (580-799) credit score. With Navy Federal Credit Union GO REWARDS® you will get such features as Low interest, No Annual Fee, No foreign transaction fees, etc. To make sure about either this credit card is good for you or not compare it with other cards with similar features.

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