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

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

  • 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.

  • 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

    N/A

  • Ongoing APR

    APR: 11.15%-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 
Learn more
Annual fee

$0

Annual fee

$0

Annual fee

$0

Regular APR

11.15%-18.00%, Variable

Rates & Fees

Regular APR

16.49%-26.49% Variable APR

Regular APR

24.49% Variable APR

Rates & Fees

Intro APR

N/A

Intro APR

N/A

Intro APR

10.99% intro APR on Balance Transfers for 6 months

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 The ongoing APR is 11.15%-18.00%, Variable APR.

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