Last updated: 8/18/2021

Navy Federal GO REWARDS

Earns: Navy Federal nRewards

GigaTake:

A solid card, but the Navy Federal More Rewards is a bit better on almost all fronts except for a slightly higher interest rate.

Here’s how much you would earn with this card

(Based on spending from {{earliestTransactionDate | date}} through {{latestTransactionDate | date}})

You could earn Worth Plus Welcome Bonus Total
{{totalPointsYouCouldEarn | number}} Navy Federal nRewards
per year
${{totalPointsYouCouldEarnValue | number}} {{welcomeBonus | number}} points
worth ${{welcomeBonusValue | number}}
${{totalValueToUser | number}}

How’d we figure that out?

${{totalAmount | number}} =

{{totalAmount | number}} =

${{annualFeeAmount | number}}Annual Fee

${{basePointsAmount | number}} All Other ({{card.card.earning_rate}}%x) All Spending ({{card.card.earning_rate}}%x)

${{merchantBonusAmount | number}}{{ merchantsBonusLabels | commaSeparate }} ({{merchantsBonusAmounts[0].multiplier}}%x)

${{categoryBonusAmount.bonus | number}}{{categoryBonusAmount.category }} ({{categoryBonusAmount.multiplier}}%x)

${{categoryDiscount.discount | number}}{{categoryDiscount.category}} Credit

${{merchantCreditAmount | number}}Merchant Discounts

${{welcomeBonusAmount | number}}Welcome Bonus


Annual Fee${{annualFeeAmount | number}}

All Other ({{card.card.earning_rate}}%x) All Spending ({{card.card.earning_rate}}%x) ${{basePointsAmount | number}}

Merchant Bonus ({{merchantsBonusAmounts[0].multiplier}}%x)${{merchantBonusAmount | number}}

{{categoryBonusAmount.category }} ({{categoryBonusAmount.multiplier}}%x)${{categoryBonusAmount.bonus | number}}

Welcome Bonus${{welcomeBonusAmount | number}}

See how the Navy Federal GO REWARDS compares to other credit cards

Navy Federal GO REWARDS Other Cards


Hover the dots to view other Credit Cards

Reward Rate = 3x

Value = 1 cent per point
Effective Value = 3 %

0%
7%

Reward Rate = 2x

Value = 1 cent per point
Effective Value = 2 %

0%
6%

Reward Rate = 1x

Value = 1 cent per point
Effective Value = 1 %

0%
3%

Welcome Bonus = 20,000

Value = 1 cent per point
Effective Value = $200

$0
$1800

Annual Fee = $0

$0
$995
Welcome Bonus
20,000

OK

Bonus Rating

Points

After you spend $3,000 in 3 months

GigaInfo about Welcome Bonuses Welcome Bonuses 101 Article
Spending Rewards
3x Dining

Very Good

very good

2x Gas

Good

good

Good

In the top 50% of cards.

1x All Other

OK

OK

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.

Program Name
Navy Federal nRewards
Gigapoints Value
1¢ per point
0.4¢ PER POINT
2¢+ PER POINT
Annual Fee
  • $0
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 Go

The Fine Print

PURCHASES APR 8.99% to 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%