Navy Federal Credit Union® cashRewards Credit Card

Navy Federal Credit Union® cashRewards Credit Card

Navy Federal Credit Union® cashRewards Credit Card

Navy Federal Credit Union® cashRewards Credit Card

Navy Federal Credit Union® cashRewards Credit Card

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Card details

  • Get a cashRewards credit card, and you could save with a 1.99% intro APR for 6 months from account opening on purchases. After that, a variable APR between 11.90% and 18% applies.

  • Plus, earn $100 bonus cash back when you spend $2,000 within 90 days of account opening. Expires on Oct. 31, 2022.

  • Up to 1.75% cash back on all purchases

  • Start redeeming rewards as soon as you earn them

  • No annual fees

  • No balance transfer fee

  • No foreign transaction fees

  • No cash advance fees

Rates, fees & offers

  • Annual fee

    $0

  • Rewards rate

    1.5-1.75%

  • Bonus offer

    Earn $100 bonus cash back when you spend $2,000 within 90 days of account opening. Expires on Oct. 31, 2022.

  • Intro APR

    1.99% intro APR on Purchases for 6 months

  • Ongoing APR

    APR: 11.90%-18.00%, Variable

    Penalty APR: Up to 18.00%, Variable

    Cash Advance APR: 20.00%, Variable

  • Foreign transaction fee

    None

Recommended credit score

Compare to other cards

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
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Annual fee

$0

Annual fee

$99

Annual fee

$199

Regular APR

11.90%-18.00%, Variable

Rates & Fees

Regular APR

18.24%, 22.24% or 27.24%, Variable APR

Rates & Fees

Regular APR

See Terms

Intro APR

1.99% intro APR on Purchases for 6 months

Intro APR

0% intro APR for 15 months on balance transfers made within 45 days of account opening.

Intro APR

N/A

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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NerdWallet review

By Kimberly Palmer

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

Rating details

3.8

Editor's overall rating

Pros and cons

Pros
  • No annual fee

  • No balance transfer fee

  • New cardholder bonus offer

  • No foreign transaction fees

  • Qualify with average credit

Cons
  • Must be a member/customer

  • Relatively short 0% APR period

If you are a member of the Navy Federal Credit Union, then the Navy Federal Credit Union® cashRewards Credit Card is a great card for you: It offers 1.5% cash back on all purchases and has a $0 annual fee. You can also qualify with average credit (generally defined as FICO scores between 630 and 689).

In addition to those ongoing rewards, the card offers 1.99% intro APR on Purchases for 6 months, and then the ongoing APR of 11.90%-18.00%, Variable APR.

For more information, see a closer look at this card.