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

  • Maximize your cash back with a Navy Federal cashRewards Card. With this card in your wallet, you can earn $300 cash back when you spend $3,000 within 90 days of account opening. Expires on Apr. 30, 2024.

  • Start redeeming rewards as soon as you earn them

  • No annual fees

  • No balance transfer fee

  • No foreign transaction fees

Rates, fees & offers

  • Annual fee

    $0

  • Rewards rate

    1.5-1.75%

  • Bonus offer

    Earn $300 cash back when you spend $3,000 within 90 days of account opening. Expires on Apr. 30, 2024.

  • Intro APR

    N/A

  • Ongoing APR

    APR: 14.90%-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

14.90%-18.00%, Variable

Rates & Fees

Regular APR

21.24%-29.99%, Variable APR

Rates & Fees

Regular APR

See Terms

Intro APR

N/A

Intro APR

0% intro APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable APR will apply, 21.24%-29.99%.

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 The ongoing APR is 14.90%-18.00%, Variable APR.

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