Best Navy Federal Credit Union Credit Cards

Navy Federal Credit Union (NFCU) was founded in 1933 and is a member-centric financial services organization dedicated to providing maximum value for more than 13 million members worldwide.

With $178 billion in assets, NFCU fosters financial health and well-being for the military, Veterans, and their families with various options, including several credit card options.

The Quick List

Here’s a quick look at the best Navy Federal credit cards for various categories based on our reviews. An in-depth analysis of each card can be found further down this page.

• Cash Back: Navy Federal Credit Union cashRewards
• Restaurants: Navy Federal Credit Union GO REWARDS® Credit Card
• Low Interest: Navy Federal Credit Union Platinum Credit Card
• Excellent Credit: Navy Federal Credit Union Visa Signature Flagship Rewards Credit Card
• No Annual Fee: Navy Federal Credit Union More Rewards American Express^® Card
• Building Credit: Navy Federal cashRewards Secured Credit Card

Navy Federal Credit Card Benefits

NFCU credit cards offer robust features and benefits tailored to meet their members’ diverse needs. Known for their competitive rewards structures, NFCU credit cards provide excellent value through cash back, points, and travel perks designed to maximize everyday spending and enhance travel experiences.

These cards are highly regarded for their user-friendly policies, including low or no annual fees, generous credit limits, and flexible redemption options. NFCU’s commitment to exceptional customer service and support ensures a positive experience for cardholders, reinforcing the credit union’s reputation for member satisfaction.

The combination of valuable rewards, accommodating policies, and superior service makes Navy Federal Credit Union credit cards a compelling option for consumers seeking to optimize their financial activities.

Included With All Cards

• 24/7 help from U.S.-based member service team
• Zero Liability policy for unauthorized transactions
• No balance transfer or foreign transaction fees
• Fraud notifications
• Ability to freeze and unfreeze your card
• Access to your credit score

Find Out if You’re Prequalified

If you’re already a member, you can find out if you prequalify for a credit card before you apply. You’ll need to answer three questions:

• Are you on active duty?
• What’s your annual income?
• What’s your monthly housing expense?

Navy Federal will pull your information and run a quick credit check without affecting your credit score. This will let you know if you’re eligible to receive a specific card before submitting your application, resulting in less of a risk of being denied.

Being prequalified doesn’t guarantee you can receive a card. If your application isn’t approved, you’ll receive a letter from Navy Federal within 30 days explaining the reason why. Also, prequalification is not the same as preapproval.

Both will determine whether you are eligible to be a cardholder, but the member generates a prequalification, while the financial institution generates a preapproval.

Interested in joining Navy Federal Credit Union? Get started here.

NFCU Credit Card Benefits, Rates and Fees

Navy Federal offers members six choices of credit cards so that you can easily tailor a card to your specific needs and spending patterns. Here’s a quick overview of each.

Navy Federal Credit Union cashRewards

Navy Federal Credit Union GO REWARDS® Credit Card

Navy Federal Credit Union Platinum Credit Card

Navy Federal Credit Union Visa Signature Flagship Rewards Credit Card

Navy Federal Credit Union More Rewards American Express^® Card

Navy Federal cashRewards Secured Credit Card

Earning Retailer Rewards through Navy Federal Member Deals

To access Member Deals, all you need is a Navy Federal Credit Card. Rewards earned from shopping with participating merchants in Member Deals will be credited to your Navy Federal Credit Card account.

To access member Deals, simply sign in to your online account and select the credit card you’d like to use from your “Account Summary.” Click “Member Deals” under “Rewards Points,” select a merchant and start shopping.

Cookies must be enabled in your web browser to receive credit while shopping at many of NFCU’s online retailers. This enables NFCU to track purchases to successfully give rewards for shopping at Member Deals.

You cannot go shopping and give your rewards to someone else. They are non-transferable.

After you make a purchase, the retailer will report the information needed to post your rewards back to Member Deals. Member Deals will use this information to post rewards to your account.

Rewards are calculated based on the net amount of eligible purchases. Taxes, special handling charges, returns, freight or shipping costs, and any unshipped products aren’t included in the calculation.

The rewards typically post to your account within 8 weeks of the purchase date.

Also, there is no limit to the number of rewards you can earn through Member Deals.

The more you shop, the more you earn. Be aware that the available retailers may change occasionally.

Depending on the merchant, specific products, types of purchases, shipment destinations, third-party services, etc. may not be eligible for bonus rewards and merchants may exclude bonus point offers on purchases shipped outside the continental United States.

NFCU Credit Card FAQs

Will I be charged any additional fees for using my credit card overseas?

No. Navy Federal does not charge foreign transaction fees on credit cards. However, NFCU does charge $0.50 for obtaining cash advances using non-Navy Federal ATMs in the U.S. and $1.00 in foreign locations.

You can safeguard your credit card account by setting up a Travel Plan through NFCU’s mobile app or sending a secure message through online banking. You’ll need to let Navy Federal know the dates you’re traveling and where you’re going.

How does Navy Federal use the information it gathers?

They use your information to run a soft credit pull with the credit bureaus and confirm your identity.

Can I add an authorized user to my account?

Yes, you can add up to 4 authorized users. An authorized user can make purchases on your credit card account but isn’t an account owner. They aren’t financially responsible for the account, but NFCU will notify the credit bureaus that they’re authorized to use your account.

To add an authorized user, you must provide the authorized user’s Social Security Number, date of birth, address and name to be printed on their card. To get started, sign in to the mobile app, call 1-888-842-6328, or visit a branch.

How do I request a credit limit increase?

Sign in to online banking to submit your credit limit increase request. If you prefer, send a secure message through online banking or 1-888-842-6328.

You’ll need to provide updated employment information, income details, and housing expenses

To see if you qualify, Navy Federeal will pull a current credit report.

What happens if my card is missing?

If you temporarily misplace your Navy Federal credit or debit card, you can freeze it while you locate your card. Once found, you can unfreeze it in seconds on the mobile app and continue using it as you did before.

If your card is lost or stolen, or if you suspect you’re a victim of fraud or identity theft, call 1-888-842-6328 or send a secure message through online banking. NFCU will put an immediate hold on your account, and you’ll receive a new card in the mail within 7-14 business days.

NFCU’s Zero Liability policy ensures that you won’t be responsible for reported, unauthorized transactions on your account.

What kind of reviews do members give NFCU?

Based on more than 30,000 TrustPilot reviews, members give Navy Federal 4.5 out of 5 stars, including 83% of members who rate NFCU 5 out of 5 stars. Even more impressive, Navy Federal activity monitors TrustPilot and works to resolve problematic reviews, demonstrating its stated commitment to outstanding customer service.

How do I contact Navy Federal Credit Union for more information?

Phone Support

Talk to a live person anytime. Stateside member reps are available 24/7 by calling 1-888-842-6328.

Other important and international phone numbers

Business Solutions

Representatives are available Monday through Friday, 9 am to 5 pm ET at 1-877-418-1462.

Secure Message

If you want to discuss your account, you can sign in to online banking, choose “Messages,” and then “Send us a message.”
 

In Person

Team members at any branch can help. Before you go, you can book an appointment online to make your trip easier and faster.

Chat

Get your questions answered in real time. Look for the chat icon to appear on certain pages to start chatting. Stateside member reps are available Monday through Friday, from 9 am to 6 pm ET.

Social Media

Connect with Navy Federal on Facebook and Twitter.

General Mailing Address

Navy Federal
P.O. Box 3000
Merrifield, VA 22119-3000
Additional mailing addresses