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Best Navy Federal Credit Union Cards of August 2025

Updated on July 23, 2025
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Kenley Young
Edited by
Kenley Young
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Kenley Young
Edited by
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Best Navy Federal Credit Union Cards

With over 8 million members, Navy Federal is the nation's largest credit union, and its mission is to provide financial products to those who have served our country. Its membership is restricted to current or former members of the military, current or former employees of the Department of Defense or DOD contractors, or immediate family members of someone who fits the criteria.

Navy Federal's roster of credit cards includes some standout features, including no foreign transaction fees, no balance transfer fees and rewards that never expire. Read on to see our picks for best-in-class.

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NerdWallet's Best Navy Federal Credit Union Cards of August 2025

Credit card
NerdWallet rating
Annual feeRewards rateIntro offerLearn more
Navy Federal Credit Union® More Rewards American Express® Credit Card ImageNavy Federal Credit Union® More Rewards American Express® Credit Card
4.8/5
Best for Everyday spending

$0

1x-3x

Points
20,000
points
Navy Federal Credit Union® cashRewards Credit Card ImageNavy Federal Credit Union® cashRewards Credit Card
3.8/5
Best for Flat-rate cash back

$0

1.5%

Cashback
$250
Navy Federal Credit Union® Visa Signature® Flagship Rewards Credit Card ImageNavy Federal Credit Union® Visa Signature® Flagship Rewards Credit Card
4.3/5
Best for Travel card

$49

2x-3x

Points
35,000
points
Navy Federal Credit Union® Platinum Credit Card ImageNavy Federal Credit Union® Platinum Credit Card
4.3/5
Best for Low interest

$0

N/A

N/A
save money

Find the right credit card for you.

Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you.

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Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you.

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Our pick for: Everyday spending

Annual fee
$0
Rewards rate
1x-3x
Points
Intro offer
20,000
points
Regular APR
14.90%-18.00%, Variable APR
Recommended credit score
630-850(Fair - Excellent)

Navy Federal Credit Union® More Rewards American Express® Credit Card

Navy Federal Credit Union® More Rewards American Express® Credit Card card image
NerdWallet rating
4.8
Annual fee
$0
Rewards rate
1x-3x
Points
Intro offer
20,000
points
Regular APR
14.90%-18.00%, Variable APR
Recommended credit score
630-850(Fair - Excellent)
Rewards breakdown
3x
Points at restaurants and on food delivery.
3x
Points at supermarkets.
3x
Points on gas.
3x
Points on transit.
1x
Point on everything else.
Card details
  • With a Navy Federal More Rewards American Express® Card in your wallet, you can earn 20,000 bonus points when you spend $2,000 within 90 days of account opening. And, for a limited time, you can get a one-time $98 statement credit when you pay $49 or more for an annual Walmart+ membership. Expires on Jan. 1, 2026.
  • 3X points at restaurants and on food delivery
  • 3X points at supermarkets
  • 3X points on gas and transit
  • 1X points on everything else
NerdWallet's take

For an annual fee of $0, the Navy Federal Credit Union® More Rewards American Express® Credit Card is ideal for rewards-hungry households that rack up big bills on groceries, gas, dining and transit.

Pros

  • For busy households, the Navy Federal Credit Union® More Rewards American Express® Credit Card offers triple points back on groceries, gas, dining and transit. All other purchases earn 1 point. The card also grants discounts on car rentals and at select restaurants. Terms apply.

Cons

  • American Express may not be as widely accepted internationally as Visa and Mastercard. If you do most of your shopping at warehouse clubs or discounters, you won't earn the elevated rewards rate.

Read full review

Our pick for: Flat-rate cash back

Annual fee
$0
Rewards rate
1.5%
Cashback
Intro offer
$250
Regular APR
14.90%-18.00%, Variable APR
Recommended credit score
630-850(Fair - Excellent)

Navy Federal Credit Union® cashRewards Credit Card

Navy Federal Credit Union® cashRewards Credit Card card image
NerdWallet rating
3.8
Annual fee
$0
Rewards rate
1.5%
Cashback
Intro offer
$250
Regular APR
14.90%-18.00%, Variable APR
Recommended credit score
630-850(Fair - Excellent)
Rewards breakdown
1.5%
Cash back on all purchases.
Card details
  • You can earn $250 bonus cash when you spend $2,500 within 90 days of account opening. Expires June 30, 2025.
  • cashRewards credit cards earn 1.5% cash back on every $1 of net purchases.
  • Start redeeming rewards as soon as you earn them
  • No balance transfer fee
NerdWallet's take

The fuss-free Navy Federal Credit Union® cashRewards Credit Card comes with a decent rewards rate on all eligible purchases and some nice extras, too.

Pros

  • Earn a solid, straightforward 1.5% cash back on your purchases or earn up to 1.75% in cash back when you open a bank account with Navy Federal and set up direct deposits. Rewards redeem as soon as you earn them, as a statement credit or to your Navy Federal bank account. During the application process, you can choose to have either a Visa or a Mastercard as the payment network. Each comes with perks specific to the brand.

Cons

  • Depending on your spending patterns, other cards may ultimately help you earn more back. If you’re seeking a 0% intro APR offer, look elsewhere.

Read full review

Our pick for: Travel card

Annual fee
$49
Rewards rate
2x-3x
Points
Intro offer
35,000
points
Regular APR
15.49%-18.00%, Variable APR
Recommended credit score
690-850(Good - Excellent)

Navy Federal Credit Union® Visa Signature® Flagship Rewards Credit Card

Navy Federal Credit Union® Visa Signature® Flagship Rewards Credit Card card image
NerdWallet rating
4.3
Annual fee
$49
Rewards rate
2x-3x
Points
Intro offer
35,000
points
Regular APR
15.49%-18.00%, Variable APR
Recommended credit score
690-850(Good - Excellent)
Rewards breakdown
3x
Points on travel.
2x
Points on everything else.
Card details
  • Get a new Flagship credit card, and you could earn 35,000 bonus points (a $350 value) when you spend $3,500 within 90 days of opening your account. And, score a free year of Amazon Prime® (a $139 value). Shop, shop, hooray! Expires on Jan. 1, 2026.
  • 3X points on travel
  • 2X points on everything else
  • Receive statement credits (up to $120) for Global Entry or TSA Pre✓®
  • No rewards limit or expiration
NerdWallet's take

This card allows users to rack up travel rewards quickly for a relatively low cost of ownership. It also offers some perks typically found on cards with higher annual fees.

Pros

  • For an annual fee of $49, you'll earn triple points on travel, but also double points on all other spending, making it a great choice for everyday spending, too. Plus get a generous sign-up bonus: Get a new Flagship credit card, and you could earn 35,000 bonus points (a $350 value) when you spend $3,500 within 90 days of opening your account. Expires on Jan. 1, 2026. Get a statement credit for Global Entry or TSA Precheck application fees, up to $100 once every four years, plus other travel perks such as travel and accident insurance and auto rental coverage.

Cons

  • There's no premium lounge access, free-checked-bag perks or any of the high-end extras that come with pricier travel credit cards. Generally, you'll have to book your travel plans through Navy Federal's Rewards Service Center, which could be limiting.

Read full review

Our pick for: Low interest

Annual fee
$0
Rewards rate
N/A
Intro offer
N/A
Recommended credit score
690-850(Good - Excellent)
Balance transfer intro APR
0.00% intro APR on qualifying balance transfers for 12 months
Regular APR
10.99%-18.00%, Variable APR

Navy Federal Credit Union® Platinum Credit Card

Navy Federal Credit Union® Platinum Credit Card card image
NerdWallet rating
4.3
Annual fee
$0
Rewards rate
N/A
Intro offer
N/A
Recommended credit score
690-850(Good - Excellent)
Balance transfer intro APR
0.00% intro APR on qualifying balance transfers for 12 months
Regular APR
10.99%-18.00%, Variable APR
Card details
  • You can get a 0.99% intro APR for 12 months from account opening on balance transfers made within the first 60 days. And, kick those balance transfer fees to the curb—Navy Federal Credit Union doesn’t charge any! After that, a variable APR between 10.99% and 18.00% applies. Expires on Jan. 1, 2026.
  • No annual fees
  • No balance transfer fees
  • No foreign transaction fees
NerdWallet's take

This card offers a trio of coveted "zeroes": a $0 annual fee, a 0% intro APR offer for balance transfers, and $0 in balance transfer fees. And if you typically carry a balance on your credit card, you also may be eligible for a low ongoing APR.

Pros

  • For those who qualify, this card offers one of the lowest ongoing APRs on the market: 0.99% intro APR for 12 months from account opening on balance transfers made within the first 60 days, and then the ongoing APR of 10.99%-18.00%, Variable APR. Cardholders also get travel and emergency assistance, extended warranty service and collision damage waiver coverage.

Cons

  • The Navy Federal Credit Union® Platinum Credit Card doesn't offer any rewards.

Read full review
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Last updated on July 23, 2025

Methodology

NerdWallet's credit cards team selects the best credit cards in each category based on overall consumer value. Factors in our evaluation include fees, promotional and ongoing APRs, and sign-up bonuses; for rewards cards, we consider earning and redemption rates, redemption options and redemption difficulty. A single card is eligible to be chosen as among the "best" in multiple categories. Learn how NerdWallet rates credit cards.

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About the editor

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Kenley Young

Managing Editor
Kenley is an assigning editor at NerdWallet covering credit cards. He has worked for Yahoo and FoxSports.com as an editor and producer.
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