Best Navy Federal Credit Union Credit Cards

The NFCU cashRewards card₄ has received an update with the introduction of the cashRewards Plus card in addition to the standard cashRewards card. With cashRewards Plus, you can earn unlimited 2% cash back or unlimited 1.5% cash back with cashRewards.

There is a single application process for both cards—Navy Federal will determine which card is best for you. If you’re approved for a credit limit of $5,000 or more, you’ll receive a cashRewards Plus card. If it’s less, you’ll get the cashRewards card.

Current Card Offer and Features

• Welcome Bonus: Earn $250 cash back after spending $2,500 within 90 days of account opening. Also, new cardholders can receive a 1.99% introductory APR on balance transfers for 12 months when completed within the first 60 days of opening the account. Offer available from 1/2/2026 to 6/30/2026.
• Rewards Rate: Earn unlimited 2% cash back with cashRewards Plus or unlimited 1.5% cash back with cashRewards.
• Annual Fee: No annual fee
• APR: 14.15 – 18.00%
• No balance transfer fee
• No foreign transaction fees
• No cash advance fees
• No rewards limit
• No rewards expiration while account is open
• Collision Damage Waiver

^{On Navy Federal Credit Union’s secure website.}

The Navy FCU cashRewards Secured Credit Card₅ is perfect for those building or rebuilding credit. It has no annual fees, foreign transaction fees, or cash advance fees at Navy Federal branches or ATMs, making it cost-effective compared to other secured cards.

This card earns unlimited 1% cash back on all purchases, which is rare for secured cards. What sets it apart is the quick upgrade path to partially unsecured and then wholly unsecured accounts, making it a standout option for improving your credit.

Current Card Offer and Features

• Unlimited 1% cash back on all purchases
• No annual fees
• No balance transfer fees
• No foreign transaction fees
• No cash advance fees
• No rewards limit
• Cash back can be redeemed for cash, statement credit, gift cards, and merchandise
• Secured card with deposit required

^{On Navy Federal Credit Union’s secure website.}

The Flagship Premier₆ earns 4x points on all travel with no booking portal required, 3x on dining, and 1x on everything else. Travel is defined broadly, covering airlines, hotels, cruises, car rentals, ridesharing, parking, tolls, ferries, vacation rentals, campgrounds, and RV parks, so most of what counts as a trip earns the top rate. Points never expire and there’s no cap on earnings, and they redeem at one cent each toward cash back, travel, gift cards, statement credits, or merchandise. The card adds a complimentary GigSky® global mobile data plan, up to $120 in Global Entry or TSA PreCheck statement credits every four years, travel assistance and accident insurance, and no foreign transaction fees. The $95 annual fee is largely offset by a $100 annual airline credit, and the variable APR runs from 15.74% to 18.00%.

Current Card Offer and Features

• Rewards: 4x points on all travel (airline, hotel, transportation, etc.) 3x points on dining, 1x points on everything else
• No Booking Portal Required
• Credits: $100 Annual airlilne credit, $120 for Global Entry or TSA PreCheck®
• Regular APR: 15.74% to 18.00% variable
• Annual fee: $95
• Purchase intro APR: N/A
• Balance transfer fee: N/A

• Foreign purchase transaction fee: None

• Cash Advance Fees: N/A

• Welcome Bonus: For a limited time, new cardholders can earn 50,000 bonus points (a $500 value) when they spend $4,000 in the first 90 days. The current offer expires January 3, 2027.
  

^{On Navy Federal Credit Union’s secure website.}

The original Flagship Rewards card earns 3X points on travel and 2X points on all other purchases with a $49 annual fee. It also includes a complimentary Amazon Prime membership credit, statement credits up to $120 for Global Entry or TSA PreCheck, no foreign transaction fees, and Visa Signature travel protections.

The card includes perks like travel accident insurance, TSA PreCheck/Global Entry fee waivers, and no foreign transaction fees, adding convenience and flexibility. However, some may find the benefits limited for a card with an annual fee. The APR ranges caps at 18.00%, but it is advisable to avoid carrying a balance to prevent interest charges.

Current Card Offer and Features

• Rewards: Earn 3 points per dollar on travel and 2 points per dollar on everything else
• Receive Statement Credits (up to $100) for Global Entry or TSA Pre?®
• Regular APR: 14.74%-18.00% variable
• Purchase intro APR: N/A
• Balance transfer intro APR: N/A
• Annual fee: $49
• Balance transfer fee: N/A
• Foreign purchase transaction fee: None

^{On Navy Federal Credit Union’s secure website.}

If you don’t quite qualify for a top-tier rewards card, the Navy Federal GO REWARDS® Credit Card₇ is a solid alternative worth considering. It’s geared towards those with average or better credit, has no annual fees, and lets you earn 3 points per dollar spent at restaurants, 2 points per dollar on gas, and 1 point per dollar on everything else.

Plus, if you usually carry a balance, you’ll appreciate the card’s relatively low APR range. Just remember: to apply for this card, you’ll need to be a member of Navy Federal Credit Union, which is open to military members, Department of Defense employees, and their families.

Current Card Offer and Features

Rates & Fees:

• Annual Fee: $0
• Balance Transfer Fee: $0
• Cash Advance Fee: $0.50 per domestic transaction (no fee if performed at a Navy Federal branch or ATM)
• Foreign Transaction Fee: $0
• Purchase APR: 0.99% intro APR for six months, 13.49% – 18.00% (V) APR after that
• Balance Transfer APR: 13.74% – 18.00% (V) APR

Rewards:

• Earn 3 points per $1 spent at restaurants
• Earn 2 points per $1 on gas
• Earn 1 point per $1 on everything else
• No limit on the total number of points you can earn
• Points can be redeemed for cash, travel, gift cards, and merchandise
• No rewards expiration while the account is open
• Earn more rewards by shopping with your Navy Federal credit card at Member Deals

Additional Info:

• No Cash Advance Fee if performed at a Navy Federal branch or ATM; otherwise, $0.50 per domestic transaction
• Zero Liability policy for unauthorized purchases and fraud notifications
• Ability to freeze and unfreeze your cards

^{On Navy Federal Credit Union’s secure website.}

The Navy Federal More Rewards American Express® Card₈ is an excellent choice for everyday use, earning 3 points per dollar on restaurants, food delivery, supermarkets, gas, and transit, and 1 point per dollar on everything else. It’s a great fit for most people willing to join the credit union.

Alongside its strong rewards program, the card offers premium retail benefits like purchase damage and theft protection, price protection, and extended warranty, making it a versatile and valuable option for everyday spending.

Current Card Offer and Features

• Welcome Bonus: Earn 20,000 bonus points (a $200 value) after spending $2,000 within 90 days of account opening.
• No annual fee
• 3X points per dollar spent at restaurants and on food delivery, at supermarkets, on gas and transit, and 1X point per dollar on everything else
• Points redeemed for cash, travel, gift cards, and merchandise
• Earn up to 25% off car rental, plus car rental loss & damage insurance
• Entertainment Access: Get early access to purchase tickets for shows, sports, and concerts nationwide, all year round
• Roadside Assistance: Get access to pay-per-use roadside assistance.
• North America car rental loss and damage insurance. Provides coverage in excess of other insurance against damage or loss when your rental car is charged to the card.
• Retail Protection: Provides coverage for lost, stolen and damaged retail goods within 90 days of purchase.
• Extended Warranty: Doubles the manufacturer’s warranty, on warranties of 12 months or less, for eligible items you purchase with the card.
• Return Protection: If you try to return an item and the merchant won’t accept it, this benefit may refund you. Provides coverage for up to 90 days from date of purchase.
• Best Value Guarantee (Price Protection): If you find a better advertised price for an eligible item you purchased within 30 days, you can request a refund of the difference in price.
• Travel and Car Rental Discounts: Get up to 30% discount on select hotels when you book through Booking.com on the American Express® travel site and up to 25% off with major car rental companies worldwide.
• Regular APR: 14.15%-18.00% variable APR

^{On Navy Federal Credit Union’s secure website.}

The Navy Federal Credit Union Platinum Credit Card₉ might be a great option for those who want to tackle high-interest credit card debt. This card, available on both the Visa and Mastercard networks, has no annual or balance transfer fees.

The Platinum card has a variable APR between 10.24% and 18.00%, one of the lowest APR ranges available from any major issuer. There’s no annual fee, no balance transfer fees, no foreign transaction fees, and no cash advance fees at Navy Federal branches or ATMs.

Navy Federal is currently running a balance transfer offer for new Platinum cardholders: 0.99% intro APR for 12 months on balance transfers made within your first 60 days from account opening. There are no balance transfer fees on this offer. On average, members save $1,868 over the promo period by transferring their balance to the Platinum card.

The Platinum card does not earn rewards, so it’s best matched to members focused on paying off larger balances or consolidating debt from higher-rate cards.

Current Card Offer and Features

• Regular APR: 10.24%-18.00% variable
• Purchase intro APR: N/A
• Balance transfer intro APR: Currently Navy Federal is offering 0.99% on balance transfers to new Platinum cardholders for 12 months on balance transfers made within your first 60 days from account opening. This rate is then followed by an 10.49%-18.00% variable APR.
• Annual fee: $0
• Balance transfer fee: None
• Foreign purchase transaction fee: None

^{On Navy Federal Credit Union’s secure website.}

The GO BIZ Rewards₁₀ card is built for small business owners who want to keep business spending separate while earning rewards on every purchase. It earns 1x points per dollar on all eligible business purchases, redeeming at one cent each toward cash back, with no expiration and no cap. Multiple cardholders are allowed and points pool across all GO BIZ Rewards cards into a single balance. The card comes with Zero Liability Protection, new purchase protection, and no foreign transaction fees, and is available as either a Visa or Mastercard, each with its own network benefits. Single-owner businesses apply through the secure member portal; multi-owner businesses submit through business online banking, with a response typically within 7 to 10 business days. There is no annual fee, and the variable APR runs from 16.65% to 18.00%.

Other Features about the card:

• Welcome Bonus: N/A

• Annual Fee: N/A

• Points/Rewards: 1x points per dollar spent on all eligible business partners

• Regular APR: 16.65%–18.00% variable, as of 07/01/2026, will vary with the market based on the U.S. Prime Rate

• Perks: Available as Visa or Mastercard, each with distinct network benefits, zero liability protection on unauthorized transactions, new purchase protection

• Foreign Transaction Fees: N/A

• Cash Advance Fees: N/A at Navy Federal ATMs & Branches