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Best Navy Federal Credit Union Cards of September 2025

Updated: Sep 2, 2025
NerdWallet
Written by
Kenley Young
Edited by
Fact Checked
Managing Editor
Fact Checked
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Written by
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Kenley Young
Edited by
Fact Checked
Managing Editor
Fact Checked
Many or all of the products on this page are from partners who compensate us when you click to or take an action on their website, but this does not influence our evaluations or ratings. Our opinions are our own.

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 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

Best Navy Federal Credit Union Cards

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
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
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
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
Best for Low interest

$0

N/A

N/A
  • 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
    Annual fee
    $0
    Rewards rate
    1x-3x
    Points
    Intro offer
    20,000
    points
    Regular APR
    14.90%-18.00%, Variable APR
    Recommended credit score
    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
    Annual fee
    $0
    Rewards rate
    1.5%
    Cashback
    Intro offer
    $250
    Regular APR
    14.90%-18.00%, Variable APR
    Recommended credit score
    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
    Annual fee
    $49
    Rewards rate
    2x-3x
    Points
    Intro offer
    35,000
    points
    Regular APR
    15.49%-18.00%, Variable APR
    Recommended credit score
    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
    Balance transfer intro APR
    0.00% intro APR on qualifying balance transfers for 12 months
    Regular APR
    10.99%-18.00%, Variable APR
    Annual fee
    $0
    Rewards rate
    N/A
    Intro offer
    N/A
    Recommended credit score
    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

Last updated on September 2, 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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