Best Navy Federal Credit Union Cards of September 2025
Updated: Sep 12, 2025
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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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400+ credit cards reviewed by our team of experts (See our top picks)
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Objective comprehensive ratings rubrics (Methodology)
NerdWallet's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards.
Their work has appeared in The Associated Press, USA Today,
The New York Times, MarketWatch, MSN, NBC's "Today," ABC's "Good Morning America"
and many other national, regional and local media outlets.
Each writer and editor follows NerdWallet's strict guidelines for editorial integrity.
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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.
Why trust NerdWallet
400+ credit cards reviewed by our team of experts (See our top picks)
80+ years of combined experience covering credit cards and personal finance
27,000+ hours spent researching and reviewing financial products in the last 12 months
Objective comprehensive ratings rubrics (Methodology)
NerdWallet's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards. Their work has appeared in The Associated Press, USA Today, The New York Times, MarketWatch, MSN, NBC's "Today," ABC's "Good Morning America" and many other national, regional and local media outlets. Each writer and editor follows NerdWallet's strict guidelines for editorial integrity.
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.
Why trust NerdWallet
400+ credit cards reviewed by our team of experts (See our top picks)
80+ years of combined experience covering credit cards and personal finance
27,000+ hours spent researching and reviewing financial products in the last 12 months
Objective comprehensive ratings rubrics (Methodology)
NerdWallet's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards. Their work has appeared in The Associated Press, USA Today, The New York Times, MarketWatch, MSN, NBC's "Today," ABC's "Good Morning America" and many other national, regional and local media outlets. Each writer and editor follows NerdWallet's strict guidelines for editorial integrity.
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.
Why trust NerdWallet
400+ credit cards reviewed by our team of experts (See our top picks)
80+ years of combined experience covering credit cards and personal finance
27,000+ hours spent researching and reviewing financial products in the last 12 months
Objective comprehensive ratings rubrics (Methodology)
NerdWallet's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards. Their work has appeared in The Associated Press, USA Today, The New York Times, MarketWatch, MSN, NBC's "Today," ABC's "Good Morning America" and many other national, regional and local media outlets. Each writer and editor follows NerdWallet's strict guidelines for editorial integrity.
Why trust NerdWallet
400+ credit cards reviewed by our team of experts (See our top picks)
80+ years of combined experience covering credit cards and personal finance
27,000+ hours spent researching and reviewing financial products in the last 12 months
Objective comprehensive ratings rubrics (Methodology)
NerdWallet's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards. Their work has appeared in The Associated Press, USA Today, The New York Times, MarketWatch, MSN, NBC's "Today," ABC's "Good Morning America" and many other national, regional and local media outlets. Each writer and editor follows NerdWallet's strict guidelines for editorial integrity.
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NerdWallet's Best Navy Federal Credit Union Cards of September 2025
Navy Federal Credit Union® More Rewards American Express® Credit Card: Best for Everyday spending
Navy Federal Credit Union® cashRewards Credit Card: Best for Flat-rate cash back
Navy Federal Credit Union® Visa Signature® Flagship Rewards Credit Card: Best for Travel card
Navy Federal Credit Union® Platinum Credit Card: Best for Low interest
Best Navy Federal Credit Union Cards
| Credit card | NerdWallet rating | Annual fee | Rewards rate | Intro offer | Learn more |
|---|---|---|---|---|---|
 Navy Federal Credit Union® More Rewards American Express® Credit Card | Best for Everyday spending | $0 | 1x-3x | 20,000 points | |
 Navy Federal Credit Union® cashRewards Credit Card | Best for Flat-rate cash back | $0 | 1.5% | $250 | |
 Navy Federal Credit Union® Visa Signature® Flagship Rewards Credit Card | Best for Travel card | $49 | 2x-3x | 35,000 points | |
 Navy Federal Credit Union® Platinum Credit Card | Best for Low interest | $0 | N/A | N/A |
Our pick for: Everyday spending
Annual fee$0Rewards rate1x-3xPointsIntro offer20,000pointsRegular APR14.90%-18.00%, Variable APRRecommended credit scoreAnnual fee$0Rewards rate1x-3xPointsIntro offer20,000pointsRegular APR14.90%-18.00%, Variable APRRecommended credit scoreRewards breakdown
Card details
NerdWallet's take
Our pick for: Flat-rate cash back
Annual fee$0Rewards rate1.5%CashbackIntro offer$250Regular APR14.90%-18.00%, Variable APRRecommended credit scoreAnnual fee$0Rewards rate1.5%CashbackIntro offer$250Regular APR14.90%-18.00%, Variable APRRecommended credit scoreRewards breakdown
Card details
NerdWallet's take
Our pick for: Travel card
Annual fee$49Rewards rate2x-3xPointsIntro offer35,000pointsRegular APR15.49%-18.00%, Variable APRRecommended credit scoreAnnual fee$49Rewards rate2x-3xPointsIntro offer35,000pointsRegular APR15.49%-18.00%, Variable APRRecommended credit scoreRewards breakdown
Card details
NerdWallet's take
Our pick for: Low interest
Annual fee$0Rewards rateN/AIntro offerN/ARecommended credit scoreBalance transfer intro APR0.00% intro APR on qualifying balance transfers for 12 monthsRegular APR10.99%-18.00%, Variable APRAnnual fee$0Rewards rateN/AIntro offerN/ARecommended credit scoreBalance transfer intro APR0.00% intro APR on qualifying balance transfers for 12 monthsRegular APR10.99%-18.00%, Variable APRCard details
NerdWallet's take
Last updated on September 12, 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.
