Last updated: 7/3/2022

Navy Federal cashRewards

Earns: Cash Back

★★★★★

GigaTake:

A solid cash back card with some competitive interest rates. A fine choice if you are eligible.

This card is best for:

All Spending

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Here’s how much you would earn with this card

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${{welcomeBonusAmount | number}}Welcome Bonus

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Pros

1.5% cash back is good, if not the best.
No annual fee.
Relatively low interest rates.

Cons

Other cash back cards may earn 2%.

See how the Navy Federal cashRewards compares to other credit cards

Navy Federal cashRewards Other Cards

Rewards

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Reward Rate = 1.5x

Value = 1 cent per point
Effective Value = 1.5 %

Welcome Bonus = 10,000

Value = 1 cent per point
Effective Value = $100

$1700

Annual Fee = $0

$695

Welcome Bonus

$100 Cash Back

After you spend $2,000 in 3 months

GigaInfo about Welcome Bonuses Welcome Bonuses 101 Article

Spending Rewards

1.5% All Spending

Is this card right for me?

That depends on your individual spending patterns. We have a tool that figures it out for you. Learn what you could earn.

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0.4¢ PER POINT

2¢+ PER POINT

Annual Fee

Are Annual Fees Worth It?

The GigaPoints Guide to Credit Card Annual Fees Article

Recommended Credit Score

Average
Good
Excellent

These ranges indicate where your credit score should be before applying for a card. But we can’t guarantee that you’ll be approved for any particular card—that’s up to the issuer.

Use this card for…

You can earn more rewards by using different cards for different purchases. We built a tool that tells you which card to use, when. Just plug in your favorite brand, store, or category to find out which card pays the most.

Use the Best Card For tool

The Fine Print

INTRO APR FOR PURCHASES	1.99% for 6 months
INTRO APR FOR PURCHASES	1.99%
PURCHASES APR	10.40%-18.00%
CASH ADVANCE APR	2% above your variable APR.
CASH ADVANCE FEE	None if performed at a Navy Federal branch or ATM. Otherwise, $0.50 per domestic transaction or $1.00 per foreign transaction.
LATE PAYMENTS	Up to $20.00
FOREIGN TRANSACTION FEE	0%