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 1. Credit Cards


CASHREWARDS CREDIT CARD


 * Special Offer
 * Rates, Fees & Rewards
 * Features & Benefits
 * More
   * Cardholder Resources
   * Credit Card Basics

Apply for a cashRewards Credit Card


INTRODUCING CASHREWARDS PLUS—MAKE THE MOST OF ALL YOUR PURCHASES WITH UNLIMITED
2% CASH BACK! OR, EARN UNLIMITED 1.5% CASH BACK WITH OUR CASHREWARDS CARD.

Apply Now for the cashRewards Credit Card

Not a member? Check your eligibility.


HOW IT WORKS


APPLY

We believe in perfect fits. Apply now to find out which of our two great cards
is “the one” for you.  


GET APPROVED

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.  


GET REWARDED

Make your money grow. Earn unlimited 2% cash back with cashRewards Plus or
unlimited 1.5% cash back with cashRewards. Network benefits vary by card.  

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4.8 out of 5 based on 894 reviews




CASHREWARDS PLUS AND CASHREWARDS CREDIT CARD SPECIAL OFFER


EARN $200 CASH BACK

Maximize your cash back with a Navy Federal cashRewards Plus or cashRewards
card. You can earn $200 cash back when you spend $2,000 within 90 days of
account opening.Footnote 1

See offer details


WALMART+ MEMBERSHIP

For a limited time, get a one-time $98 statement credit when you pay $49 or more
for an annual Walmart+ membership using your cashRewards Plus or cashRewards
credit card. (Normally, annual Walmart+ memberships are $98.)Footnote 2

With a Walmart+ membership, you can enjoy:Footnote 3

 * Free delivery from your store
 * Discounts on gas at over 14,000 participating locations nationwide
 * Early access to promotions and events


THESE CARDS ARE BEST FOR...

 * Getting Cash Back

 * Everyday Spending

 * cashRewards Plus: Very Good to Excellent Credit | cashRewards: Average to
   Good Credit

--------------------------------------------------------------------------------


RATES, FEES & REWARDS


RATES

Purchase & Balance Transfer Variable APR between

15.40% - 18.00%Footnote 4

Terms & Conditions


FEES

 * No annual fee
 * No balance transfer fee
 * No foreign transaction fees
 * No cash advance fees


REWARDS

 * cashRewards Plus: Unlimited 2% cash back on all purchasesFootnote 5
 * cashRewards: Unlimited 1.5% cash back on all purchasesFootnote 5
 * Start redeeming rewards as soon as you earn them
 * cashRewards Plus FAQs

PROGRAM DESCRIPTION

 * cashRewards Plus Visa Signature® PDF
 * cashRewards Plus World Mastercard® PDF
 * cashRewards Visa® PDF
 * cashRewards Mastercard® PDF


FEATURES & BENEFITS

 * No cap on the rewards you can earn
 * No rotating spend categories
 * No rewards expiration while the card is open
 * Collision Damage Waiver

Learn More about the cashRewards credit card


INCLUDED WITH ALL NAVY FEDERAL CREDIT CARDS

 * Use your credit card before it arrives in the mail if you qualify for a
   digitally issued card
   
 * 24/7 help from our U.S.-based member service team
 * No balance transfer or foreign transaction feesFootnote 6
 * Ability to freeze and unfreeze your cards
 * Zero Liability policy for confirmed unauthorized transactions
 * Fraud notifications*
 * Access to your credit score

Learn More about the benefits included with all Navy Federal credit cards




DO YOU PREQUALIFY?

If you’re already a member, you can find out if you prequalify before applying
for a credit card. This won’t affect your credit score. A prequalification does
not guarantee approval when you apply. When you apply, we also consider factors
such as your monthly debt-to-income ratio.

Prequalify Me for a credit card


CARDHOLDER RESOURCES


 * REDEEM CREDIT CARD REWARDS
   
   Get the most out of your credit card. Redeem your rewards now.
   
   Learn More about Redeem Credit Card Rewards


 * MEMBER DEALS
   
   Use your credit card to shop our online Member Deals. You'll get higher
   rewards just for purchasing through Member Deals, free shipping from certain
   retailers, exclusive offers and other perks.
   
   Learn More about Member Deals


 * GET YOUR CREDIT SCORE
   
   Stay on top of your credit. Sign in to your Navy Federal account to easily
   view your credit score.
   
   Learn More about Get Your Credit Score

View MoreCardholder Resources

--------------------------------------------------------------------------------


CREDIT CARD LEARNING CENTER


 * HOW TO APPLY FOR A CREDIT CARD
   
   Demystify the application process. Learn how to apply, how long the process
   takes and what the impact will be on your credit.
   
   Learn More about How to Apply for a Credit Card


 * HOW CREDIT CARDS WORK
   
   Credit cards are valuable tools to establish and build credit. Learn how they
   work and how to use them responsibly.
   
   Learn More about How Credit Cards Work


 * CREDIT SCORES & REPORTS
   
   Visit MakingCents to learn what affects your credit score and how you can
   build a strong credit history.
   
   Learn More about Credit Scores & Reports


 * HOW TO DO A BALANCE TRANSFER
   
   Learn how you can move your current credit card balance to a Navy Federal
   card to consolidate debt and potentially lower payments.
   
   Learn More about How to Do a Balance Transfer

View MoreCredit Card Learning Center
Still have questions? Visit our Credit Card FAQs.


DISCLOSURES

+ Show All
1

Offer valid for cardholders issued new cashRewards or cashRewards Plus credit
card accounts. To be eligible for the $200 cash back, you must make $2,000 or
more in net purchases within 90 days of account opening. Rewards are earned on
eligible net purchases. “Net purchases” means the sum of your eligible purchase
transactions minus returns and refunds. Eligible purchase transactions do not
include, and rewards are not earned for, the following transactions: cash
advances, convenience checks, balance transfers, gambling, or fees of any kind,
including finance charges, late fees, returned check fees, ATM cash advance
fees, and annual fees, if any. Cash-equivalent transactions, such as the
purchase, loading, or reloading of gift and prepaid cards (e.g., money orders,
GO Prepaid Cards, and other cash-equivalent gift cards), may not be eligible
purchase transactions and may not earn rewards. Please allow up to 8 weeks after
the 90-day period for the $200 to post to your rewards balance. Account must be
open and not in default at the time the $200 is scheduled to post to your
rewards balance. Limit of one promotional offer at account opening. Offer valid
for accounts applied for between 10/10/2024 and 01/01/2025. Navy Federal
reserves the right to change or end this offer at any time without notice.

↵
2

One-time statement credit of $98 when you pay $49 or more for an annual Walmart+
membership. Excludes monthly Walmart+ membership. Annual Walmart+ membership
must be purchased within one year from Navy Federal cashRewards or cashRewards
Plus credit card account opening date to receive the one-time statement credit.
Please allow up to 30 days after the annual Walmart+ membership fee posts to
your account for the $98 credit to post. Your annual Walmart+ membership will
auto-renew annually following enrollment, and your credit or debit card on file
will be charged for an additional term at the fee(s) in effect at the time. You
may cancel your annual Walmart+ membership by calling Walmart Customer Care at
800-924-9206 or through your Walmart account. Walmart is a registered trademark
of Walmart Apollo, LLC.

↵
3

Restrictions apply. For more information, please visit Walmart+ Membership Terms
of Use.

↵
4

As of 12/05/2024, rates range from 15.40% APR to 18.00% APR, are based on
creditworthiness, and will vary with the market based on the U.S. Prime Rate.
ATM cash advance fees: None, if performed at a Navy Federal branch or ATM.
Otherwise, $0.50 per domestic transaction or $1.00 per foreign transaction.


↵
5

cashRewards Plus credit cards earn 2% cash back on every $1 of net purchases.
cashRewards credit cards earn 1.5% cash back on every $1 of net purchases. “Net
purchases” means the sum of your eligible purchase transactions minus returns
and refunds. Eligible purchase transactions do not include, and rewards are not
earned for, the following transactions: cash advances, convenience checks,
balance transfers, gambling, or fees of any kind, including finance charges,
late fees, returned check fees, and ATM transaction fees. Cash-equivalent
transactions, such as the purchase, loading, or reloading of gift and prepaid
cards (e.g., money orders, GO Prepaid Cards, and other cash-equivalent gift
cards), may not be eligible purchase transactions and may not earn rewards.

↵
6

As of 12/05/2024, nRewards® Secured card rate is 18.00% APR and will vary with
the market based on the US Prime Rate. All other Navy Federal credit card rates
range from 11.49% APR to 18.00% APR, are based on product type and
creditworthiness, and will vary with the market based on the US Prime Rate. ATM
cash advance fees: None if performed at a Navy Federal branch or ATM. Otherwise,
$0.50 per domestic transaction or $1.00 per foreign transaction. $49 annual fee
for Visa Signature® Flagship Rewards.

↵

The views expressed in the reviews are solely those of the individuals posting
them. The testimonials are substantively the words of the individual reviewer,
but may have undergone minor clerical revisions to ensure readability, add
context, or protect private information. Any imagery displayed is for decorative
purposes only and is not necessarily associated with the reviewer.

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NAVY FEDERAL INFORMATION


MISSION STATEMENT

Since 1933, Navy Federal Credit Union has grown from 7 members to over 14
million members. And, since that time, our vision statement has remained focused
on serving our unique field of membership: 

"Be the most preferred and trusted financial institution serving the military
and their families."


ABOUT NAVY FEDERAL

 * About Us
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 * Navy Federal Events
 * Become a Member


MEMBER SUPPORT

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MORE SERVICES

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24/7 Member Services: 1-888-842-6328 Routing Number: 256074974

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POLICY & DISCLAIMERS

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© 2024 Navy Federal Credit Union. All rights reserved

 * Navy Federal Credit Union is federally insured by NCUA
 * Equal Housing Lender
 * Equal Opportunity Employer, including disability/vets

NMLS ID 399807

Navy Federal conducts all member business in English. All origination,
servicing, collections, and marketing materials are provided in English only. As
a service to members, we will attempt to assist members who have limited English
proficiency where possible. Military images are used for representational
purposes only; do not imply government endorsement. Terms and conditions are
applied to gift cards.

 * APY = Annual Percentage Yield, APR = Annual Percentage Rate
 * +Rates are based on an evaluation of credit history, so your rate may
   differ. 
 * *Message and data rates may apply. Terms and Conditions are available. 
 * ♦Terms and conditions are applied to gift cards.

 


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