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NAVY FEDERAL CREDIT UNION REWARDS PROGRAM

Navy Federal Credit Union offers a unique rewards program designed to help
members make the most of their spending. As a member-owned financial
institution, Navy Federal puts its members first by providing a variety of
rewards and benefits that are easy to redeem, accessible, and customized to meet
a wide range of lifestyle needs. With flexible options, a seamless experience,
and valuable benefits, Navy Federal's rewards program empowers you to enjoy the
things you love most.


WHAT MAKES NAVY FEDERAL REWARDS STAND OUT?

The Navy Federal Rewards program is tailored for those who want flexibility and
choice in how they earn and spend their rewards. Here’s what sets this program
apart:

 * Variety of Redemption Options: Points can be redeemed for travel,
   merchandise, cash back, and gift cards, allowing members to choose what suits
   them best.
 * Competitive Earning Rates: Earn points on every dollar spent, with special
   rates on specific categories, ensuring rewards accumulate quickly.
 * No Hidden Fees: Members enjoy no annual fees, no foreign transaction fees,
   and low rates, making it easy to enjoy rewards without additional costs.


HOW TO EARN REWARDS

Navy Federal offers several ways to earn rewards, with every purchase bringing
you closer to redeemable points:

 * Everyday Spending: Earn points on everyday purchases such as groceries, gas,
   and dining.
 * Special Categories: Some credit cards offer bonus points on categories like
   travel, dining, and fuel, helping you maximize your rewards potential.
 * Exclusive Bonuses: Enjoy limited-time promotions and seasonal bonuses,
   allowing you to earn extra points for special occasions.


REWARD REDEMPTION OPTIONS

Navy Federal makes it simple to turn your points into meaningful rewards. Here’s
a look at the diverse redemption options available:

 * Travel Rewards: Use your points to book flights, hotels, car rentals, and
   vacation packages, making every journey more affordable and enjoyable.
 * Cash Back: Convert points into cash that can be deposited into your account
   or applied as a statement credit, giving you direct access to your rewards.
 * Merchandise: Browse the Navy Federal Rewards Catalog for top-brand
   merchandise, from electronics to home goods, and find items that match your
   lifestyle.
 * Gift Cards: Choose from a variety of gift card options, ideal for special
   occasions or personal treats.


GET STARTED WITH NAVY FEDERAL REWARDS

Becoming part of the Navy Federal Rewards program is easy. Simply open a Navy
Federal Credit Union account, choose a rewards credit card, and start earning
points with every purchase. The rewards program is designed to provide
flexibility, making it ideal for all types of members—from travelers and
shoppers to those seeking practical cash-back options.

Experience the benefits of a credit union that truly values its members. Join
Navy Federal Credit Union’s Rewards program today and start unlocking the
rewards you deserve!