BEST OF

Best Navy Federal Credit Union Cards of February 2023

Mar 30, 2022

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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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Best Navy Federal Credit Union Cards

Our pick for

Everyday spending

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

4.8

NerdWallet rating 
Annual fee

$0

Intro APR

1.99% intro APR on purchases for 12 months, then 13.40%-18.00%, Variable

Regular APR

13.40%-18.00% Variable APR

Recommended Credit Score

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
  • 3X points at restaurants and on food delivery

  • 3X points at supermarkets

  • 3X points on gas and transit

  • 1X points on everything else

  • No annual fee

  • Put those points to good use and redeem them for cash, travel, gift cards and merchandise without expiration while your account is open.

Our pick for

Flat-rate cash back

Navy Federal Credit Union® cashRewards Credit Card

3.8

NerdWallet rating 
Annual fee

$0

Intro APR

1.99% intro APR on balance transfers for 12 months, then 13.40%-18.00%, Variable

Regular APR

13.40%-18.00%, Variable

Recommended Credit Score

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
  • Get our cashRewards card, and you can earn $100 bonus cash back when you spend $1,000 within 90 days of account opening.

  • Plus, you’ll earn 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. Expires on Feb. 28, 2023.

  • Start redeeming rewards as soon as you earn them

  • No annual fees

  • No balance transfer fee

  • No foreign transaction fees

  • No cash advance fees

Our pick for

Travel card

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

4.3

NerdWallet rating 
Annual fee

$49

Intro APR

1.99% intro APR on purchases for 9 months, then 13.74%-18.00%, Variable

Regular APR

13.74%-18.00%, Variable

Recommended Credit Score

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 Flagship credit card, and you could earn 30,000 bonus points (a $300 value) when you spend $3,000 within 90 days of opening your account and a free year of Amazon Prime® (a $139 value)—on us. Expires on Feb. 28, 2023.. 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.

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  • Get a Flagship credit card, and you could earn 30,000 bonus points (a $300 value) when you spend $3,000 within 90 days of opening your account and a free year of Amazon Prime® (a $139 value)—on us. Expires on Feb. 28, 2023.

  • 3X points on travel

  • 2X points on everything else

  • Receive statement credits (up to $100) for Global Entry or TSA Pre√®

Our pick for

Low interest

Navy Federal Credit Union® Platinum Credit Card

4.3

NerdWallet rating 
Annual fee

$0

Intro APR

0.99% intro APR on Balance Transfers for 12 months, then 9.74%-18.00%, Variable

Regular APR

9.74%-18.00%, Variable

Recommended Credit Score

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 on Balance Transfers for 12 months, and then the ongoing APR of 9.74%-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.

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  • Transfer your non-Navy Federal balances within 60 days of getting a Platinum card, and you'll pay 0.99% intro APR on the balance transfer for 12 months from account opening. After that, a variable APR between 9.74% and 18% applies. Expires on Jun. 29, 2023.

  • No annual fees

  • No balance transfer fees

  • No foreign transaction fees

Our pick for

Poor credit

Navy Federal Credit Union® nRewards® Secured Credit Card

5.0

NerdWallet rating 
Annual fee

$0

Intro APR

N/A

Regular APR

18.00%, Variable

Recommended Credit Score

Secured credit cards are for building or repairing credit, but this card offers rewards, too, along with some perks not typically found on cards in its class.

Pros

  • You'll earn 1 point per $1 spent. You'll also get an automatic review of your account starting at six months to see whether you can graduate to an unsecured card. As a nice extra, it offers collision damage waiver coverage.

Cons

  • The minimum required opening deposit is $200, which may be a barrier for some. The ongoing APR is 18.00%, Variable APR. If you think you'll need to carry a balance, other secured cards may offer a lower rate.

Read full review
  • 1X point per dollar spent

  • No annual fees

  • No balance transfer fees

  • No foreign transaction fees

  • No cash advance fees

Last updated on March 30, 2022

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.