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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.

Summary For You
Comparison
Highlights
Details

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}}
Include Welcome Bonus
  • Annual Fee
  • Plus Base Spending
  • Merchant Bonus
  • Category Bonus
  • Welcome Bonus

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

Navy Federal GO REWARDS Other Cards

Rewards

Show Rewards For:

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Reward Rate = 3x

Value = 1 cent per point
Effective Value = 3 %

0%

0.7%

Wyndham Rewards

0.7%

Citi Expedia Rewards

0.75%

Starbucks Rewards Visa

0.8%

Marriott Bonvoy Bold

1%

U.S. Bank Business Cash Rewards World Elite MasterCard

1%

Citi Custom Cash℠

1%

Delta SkyMiles® Reserve Business American Express

1%

Delta SkyMiles® Platinum Business American Express

1%

Chase Freedom Student

1%

U.S. Bank FlexPerks Select+

1%

PenFed Platinum Rewards

1%

Blue Cash Preferred® Card from American Express

1%

U.S. Bank Cash+

1%

Disney Visa

1%

Blue Cash Everyday® Card from American Express

1.2%

Iberia Visa Signature®

1.2%

Emirates Skywards Rewards World Elite Mastercard

1.2%

Emirates Skywards Premium World Elite Mastercard

1.2%

Choice Privileges

1.2%

AAdvantage Aviator Red

1.2%

British Airways Visa Signature®

1.2%

Citi AAdvantage MileUp

1.2%

Citi AAvantage Executive World Elite

1.2%

Hilton Honors American Express Card

1.3%

Southwest Rapid Rewards® Performance Business

1.3%

Southwest Rapid Rewards® Premier Business Credit Card

1.3%

United Gateway

1.3%

Southwest Rapid Rewards® Priority Credit Card

1.3%

Southwest Rapid Rewards® Premier Credit Card

1.3%

Southwest Rapid Rewards® Plus Credit Card

1.4%

Wyndham Rewards Earner

1.4%

Bank of America Alaska Air

1.5%

Capital One Spark Cash Select for Business

1.5%

Ink Business Unlimited®

1.5%

BlockFi Bitcoin Rewards Credit Card

1.5%

Navy Federal cashRewards

1.5%

U.S. Bank Altitude Reserve

1.5%

United TravelBank

1.5%

American Express Cash Magnet

1.5%

Bank of America Travel Rewards

1.5%

Capital One Quicksilver Cash Rewards

1.5%

U.S. Bank Cash 365

1.5%

Wells Fargo Cash Wise

1.6%

Marriott Bonvoy Business® American Express®

1.62%

Capital One VentureOne Rewards

1.7%

World of Hyatt Business Credit Card

1.7%

American Express Everyday Preferred

1.7%

American Express® Business Gold

1.7%

American Express Everyday

1.7%

American Express Platinum

1.95%

United Club

2%

Capital One Spark Cash Plus

2%

Capital One Spark Cash for Business

2%

Wells Fargo Active Cash Card

2%

Delta SkyMiles® Gold Business American Express

2%

U.S. Bank Altitude Connect

2%

American Express Blue Business Cash™

2%

Amazon Prime Rewards Visa Card

2%

USAA Rewards Visa

2%

Chase Ink Business Cash

2%

Delta SkyMiles® Platinum American Express

2%

Bank of America Premium Rewards

2.09%

IHG Rewards Club Traveler

2.09%

Uber Visa

2.4%

CitiBusiness/ AAdvantage Platinum Select

2.4%

Hawaiian Airlines World Elite Mastercard

2.4%

American Express Hilton Honors Surpass

2.4%

Marriott Bonvoy Boundless

2.4%

Citi / AAdvantage Platinum Select World Elite Mastercard

2.4%

Marriott Bonvoy Brilliant™ American Express®

2.6%

Capital One Venture X Rewards

2.6%

United Quest

2.6%

Capital One Spark Miles

2.6%

United Club℠ Infinite Card

2.6%

JetBlue Card

2.6%

Capital One Venture Rewards

2.6%

United℠ Explorer

2.8%

Wyndham Rewards Earner Plus

2.8%

American Express Hilton Honors Aspire

3%

Capital One SavorOne Student

3%

U.S. Bank Business Triple Cash Rewards World Elite Mastercard(R)

3%

Navy Federal More Rewards American Express

3%

Chase Freedom Flex

3%

USAA Rewards American Express

3%

Capital One SavorOne Rewards

3%

AARP Rewards

3%

Chase Freedom Unlimited

3%

Wells Fargo Propel

3%

Navy Federal GO REWARDS
 3%

3.4%

Chase World of Hyatt

3.5%

IHG® Rewards Club Premier

4%

U.S. Bank Altitude Go

4%

Capital One Savor Rewards

4.19%

Citi Premier

4.5%

U.S. Bank FlexPerks Gold

5.09%

American Express Green Card

5.4%

Chase Sapphire Reserve

5.4%

Chase Sapphire Preferred

6.8%

American Express Gold

7%

Citi Prestige
7%

Reward Rate = 2x

Value = 1 cent per point
Effective Value = 2 %

0%

0.7%

Citi Expedia Rewards

0.7%

Uber Visa

0.75%

Starbucks Rewards Visa

0.8%

Marriott Bonvoy Bold

1%

Capital One SavorOne Student

1%

Citi Custom Cash℠

1%

Delta SkyMiles® Reserve Business American Express

1%

Delta SkyMiles® Platinum Business American Express

1%

Delta SkyMiles® Gold Business American Express

1%

Chase Freedom Flex

1%

Chase Freedom Student

1%

U.S. Bank Cash+

1%

U.S. Bank FlexPerks Select+

1%

Delta SkyMiles® Platinum American Express

1%

Capital One SavorOne Rewards

1.2%

Iberia Visa Signature®

1.2%

Emirates Skywards Rewards World Elite Mastercard

1.2%

Emirates Skywards Premium World Elite Mastercard

1.2%

Choice Privileges

1.2%

AAdvantage Aviator Red

1.2%

British Airways Visa Signature®

1.2%

Citi AAdvantage MileUp

1.2%

Citi AAvantage Executive World Elite

1.2%

American Express Hilton Honors Aspire

1.3%

Southwest Rapid Rewards® Performance Business

1.3%

Southwest Rapid Rewards® Premier Business Credit Card

1.3%

United Quest

1.3%

United Club℠ Infinite Card

1.3%

JetBlue Card

1.3%

Southwest Rapid Rewards® Priority Credit Card

1.3%

United℠ Explorer

1.3%

Southwest Rapid Rewards® Plus Credit Card

1.3%

Southwest Rapid Rewards® Premier Credit Card

1.4%

Wyndham Rewards

1.4%

Bank of America Alaska Air

1.4%

Citi Prestige

1.5%

Capital One Spark Cash Select for Business

1.5%

Ink Business Unlimited®

1.5%

BlockFi Bitcoin Rewards Credit Card

1.5%

Navy Federal cashRewards

1.5%

Bank of America Premium Rewards

1.5%

American Express Cash Magnet

1.5%

U.S. Bank Altitude Reserve

1.5%

Capital One Quicksilver Cash Rewards

1.5%

United TravelBank

1.5%

Bank of America Travel Rewards

1.5%

Chase Freedom Unlimited

1.6%

Marriott Bonvoy Brilliant™ American Express®

1.62%

Capital One VentureOne Rewards

1.7%

World of Hyatt Business Credit Card

1.7%

American Express® Business Gold

1.7%

American Express Green Card

1.7%

American Express Everyday

1.7%

American Express Platinum

1.7%

Chase World of Hyatt

1.7%

American Express Gold

1.8%

Chase Sapphire Reserve

1.8%

Chase Sapphire Preferred

1.95%

United Club

2%

Capital One Spark Cash Plus

2%

Capital One Spark Cash for Business

2%

Wells Fargo Active Cash Card

2%

Amazon Prime Rewards Visa Card

2%

U.S. Bank Altitude Go

2%

American Express Blue Business Cash™

2%

Chase Ink Business Cash

2%

USAA Rewards American Express

2%

USAA Rewards Visa

2%

Navy Federal GO REWARDS
 2%

2.09%

IHG Rewards Club Traveler

2.4%

CitiBusiness/ AAdvantage Platinum Select

2.4%

American Express Hilton Honors Surpass

2.4%

Hawaiian Airlines World Elite Mastercard

2.4%

Marriott Bonvoy Boundless

2.4%

Citi / AAdvantage Platinum Select World Elite Mastercard

2.6%

Capital One Venture X Rewards

2.6%

Capital One Spark Miles

2.6%

United Gateway

2.6%

Capital One Venture Rewards

3%

U.S. Bank Business Triple Cash Rewards World Elite Mastercard(R)

3%

U.S. Bank Business Cash Rewards World Elite MasterCard

3%

Navy Federal More Rewards American Express

3%

Blue Cash Preferred® Card from American Express

3%

Blue Cash Everyday® Card from American Express

3%

Wells Fargo Propel

3%

AARP Rewards

3%

U.S. Bank FlexPerks Gold

3.2%

Marriott Bonvoy Business® American Express®

3.4%

American Express Everyday Preferred

3.5%

Wyndham Rewards Earner

3.5%

IHG® Rewards Club Premier

4%

U.S. Bank Altitude Connect

4.19%

Wyndham Rewards Earner Plus

4.19%

Citi Premier

5%

PenFed Platinum Rewards
5%

Reward Rate = 1x

Value = 1 cent per point
Effective Value = 1 %

0%

0.7%

Wyndham Rewards Earner

0.7%

Wyndham Rewards

0.7%

Wyndham Rewards Earner Plus

0.7%

Citi Expedia Rewards

0.7%

Uber Visa

0.75%

Starbucks Rewards Visa

0.8%

Marriott Bonvoy Bold

1%

Capital One SavorOne Student

1%

U.S. Bank Business Triple Cash Rewards World Elite Mastercard(R)

1%

U.S. Bank Business Cash Rewards World Elite MasterCard

1%

Citi Custom Cash℠

1%

Delta SkyMiles® Reserve Business American Express

1%

Delta SkyMiles® Platinum Business American Express

1%

Delta SkyMiles® Gold Business American Express

1%

Chase Freedom Student

1%

U.S. Bank Altitude Connect

1%

Navy Federal GO REWARDS
 1%

1.2%

CitiBusiness/ AAdvantage Platinum Select

1.2%

Iberia Visa Signature®

1.2%

Emirates Skywards Rewards World Elite Mastercard

1.2%

Emirates Skywards Premium World Elite Mastercard

1.2%

Choice Privileges

1.2%

Hawaiian Airlines World Elite Mastercard

1.2%

AAdvantage Aviator Red

1.2%

American Express Hilton Honors Surpass

1.2%

Citi AAdvantage MileUp

1.2%

American Express Hilton Honors Aspire

1.2%

British Airways Visa Signature®

1.3%

Southwest Rapid Rewards® Performance Business

1.3%

Southwest Rapid Rewards® Premier Business Credit Card

1.3%

United Quest

1.3%

United Gateway

1.3%

United Club℠ Infinite Card

1.3%

United℠ Explorer

1.3%

JetBlue Card

1.3%

Southwest Rapid Rewards® Premier Credit Card

1.3%

Southwest Rapid Rewards® Priority Credit Card

1.3%

Southwest Rapid Rewards® Plus Credit Card

1.4%

IHG Rewards Club Traveler

1.4%

Citi Premier

1.4%

Citi Prestige

1.4%

Bank of America Alaska Air

1.5%

Capital One Spark Cash Select for Business

1.5%

Ink Business Unlimited®

1.5%

BlockFi Bitcoin Rewards Credit Card

1.5%

Navy Federal cashRewards

1.5%

Bank of America Premium Rewards

1.5%

American Express Cash Magnet

1.5%

U.S. Bank Altitude Reserve

1.5%

Capital One Quicksilver Cash Rewards

1.5%

United TravelBank

1.5%

Bank of America Travel Rewards

1.5%

Chase Freedom Unlimited

1.6%

Marriott Bonvoy Business® American Express®

1.6%

Marriott Bonvoy Brilliant™ American Express®

1.6%

Marriott Bonvoy Boundless

1.62%

Capital One VentureOne Rewards

1.7%

World of Hyatt Business Credit Card

1.7%

American Express® Business Gold

1.7%

American Express Green Card

1.7%

American Express Everyday Preferred

1.7%

American Express Everyday

1.7%

American Express Gold

1.7%

American Express Platinum

1.7%

Chase World of Hyatt

1.8%

Chase Sapphire Reserve

1.8%

Chase Sapphire Preferred

1.95%

United Club

2%

Capital One Spark Cash Plus

2%

Wells Fargo Active Cash Card

2%

Capital One Spark Cash for Business

2%

American Express Blue Business Cash™

2%

Citi Double Cash

2.09%

IHG® Rewards Club Premier

2.6%

Capital One Venture X Rewards

2.6%

Capital One Venture Rewards

2.6%

Capital One Spark Miles
3%

Welcome Bonus = 20,000

Value = 1 cent per point
Effective Value = $200

$5

$5

U.S. Bank Business Cash Rewards World Elite MasterCard

$25

USAA Rewards American Express

$25

USAA Rewards Visa

$50

Chase Freedom Student

$50

Disney Visa

$70

Uber Visa

$100

Capital One SavorOne Student

$100

Amazon Prime Rewards Visa Card

$100

PenFed Platinum Rewards

$100

Navy Federal cashRewards

$100

U.S. Bank FlexPerks Select+

$100

AARP Rewards

$100

Delta SkyMiles Blue American Express

$105

Citi Expedia Rewards

$120

Citi AAdvantage MileUp

$130

JetBlue Card

$135

Starbucks Rewards Visa

$150

Navy Federal More Rewards American Express

$150

United TravelBank

$150

American Express Cash Magnet

$150

Wells Fargo Cash Wise

$150

U.S. Bank Cash 365

$170

American Express Everyday

$192

Choice Privileges

$200

Wells Fargo Active Cash Card

$200

Citi Custom Cash℠

$200

U.S. Bank Altitude Go

$200

Chase Freedom Flex

$200

U.S. Bank Cash+

$200

Capital One SavorOne Rewards

$200

Blue Cash Everyday® Card from American Express

$200

Disney Premier Visa

$200

Capital One Quicksilver Cash Rewards

$200

Navy Federal GO REWARDS
 $200

$210

Wyndham Rewards Earner

$210

Wyndham Rewards

$250

American Express Blue Business Cash™

$250

Bank of America Travel Rewards

$250

BlockFi Bitcoin Rewards Credit Card

$250

US Bank Flex Perks Travel

$255

American Express Everyday Preferred

$260

United Gateway

$260

Capital One VentureOne Rewards

$300

Capital One Savor Rewards

$314.99

Wyndham Rewards Earner Plus

$350

Blue Cash Preferred® Card from American Express

$360

Emirates Skywards Rewards World Elite Mastercard

$400

Hilton Honors American Express Card

$450

U.S. Bank FlexPerks Gold

$480

Emirates Skywards Premium World Elite Mastercard

$480

Marriott Bonvoy Bold

$500

Capital One Spark Cash Plus

$500

U.S. Bank Business Triple Cash Rewards World Elite Mastercard(R)

$500

Capital One Spark Cash Select for Business

$500

Capital One Spark Cash for Business

$500

U.S. Bank Altitude Connect

$500

American Express Hilton Honors Surpass

$500

Bank of America Premium Rewards

$500

Delta SkyMiles Reserve® American Express

$510

American Express Green Card

$510

Chase World of Hyatt

$560

IHG Rewards Club Traveler

$560

Bank of America Alaska Air

$600

American Express Hilton Honors Aspire

$600

Citi / AAdvantage Platinum Select World Elite Mastercard

$650

Capital One Spark Miles

$650

United℠ Explorer

$650

Southwest Rapid Rewards® Priority Credit Card

$650

Southwest Rapid Rewards® Premier Credit Card

$650

Southwest Rapid Rewards® Plus Credit Card

$650

Delta SkyMiles Gold® American Express

$700

Delta SkyMiles® Gold Business American Express

$700

Citi Prestige

$720

AAdvantage Aviator Red

$720

Hawaiian Airlines World Elite Mastercard

$750

Ink Business Unlimited®

$750

U.S. Bank Altitude Reserve

$750

Chase Ink Business Cash

$780

CitiBusiness/ AAdvantage Platinum Select

$780

Southwest Rapid Rewards® Premier Business Credit Card

$800

Marriott Bonvoy Business® American Express®

$800

Marriott Bonvoy Boundless

$800

Delta SkyMiles® Platinum American Express

$850

Delta SkyMiles® Platinum Business American Express

$900

Iberia Visa Signature®

$900

British Airways Visa Signature®

$910

Southwest Rapid Rewards® Performance Business

$910

United Quest

$960

Citi AAvantage Executive World Elite

$975

Capital One Venture X Rewards

$975

Capital One Venture Rewards

$975

United Club

$980

IHG® Rewards Club Premier

$1000

Delta SkyMiles® Reserve Business American Express

$1020

World of Hyatt Business Credit Card

$1020

American Express Gold

$1040

United Club℠ Infinite Card

$1080

Chase Sapphire Reserve

$1080

Chase Sapphire Preferred

$1120

Citi Premier

$1190

American Express® Business Gold

$1200

Marriott Bonvoy Brilliant™ American Express®

$1700

American Express Platinum
$1700

Annual Fee = $0

$0

$0

Capital One SavorOne Student

$0

U.S. Bank Business Triple Cash Rewards World Elite Mastercard(R)

$0

Capital One Spark Cash Select for Business

$0

Wells Fargo Active Cash Card

$0

U.S. Bank Business Cash Rewards World Elite MasterCard

$0

Citi Custom Cash℠

$0

Ink Business Unlimited®

$0

Chase Freedom Student

$0

Amazon Prime Rewards Visa Card

$0

Navy Federal GO REWARDS
 $0

$49

Starbucks Rewards Visa

$49

US Bank Flex Perks Travel

$49

Disney Premier Visa

$69

Southwest Rapid Rewards® Plus Credit Card

$75

Wyndham Rewards Earner Plus

$75

Bank of America Alaska Air

$75

Wyndham Rewards

$85

U.S. Bank FlexPerks Gold

$89

IHG® Rewards Club Premier

$95

Capital One Spark Cash for Business

$95

Iberia Visa Signature®

$95

U.S. Bank Altitude Connect

$95

Capital One Spark Miles

$95

Bank of America Premium Rewards

$95

American Express Hilton Honors Surpass

$95

Citi Premier

$95

Marriott Bonvoy Boundless

$95

Blue Cash Preferred® Card from American Express

$95

United℠ Explorer

$95

British Airways Visa Signature®

$99

CitiBusiness/ AAdvantage Platinum Select

$99

Southwest Rapid Rewards® Premier Business Credit Card

$99

Delta SkyMiles® Gold Business American Express

$99

Emirates Skywards Rewards World Elite Mastercard

$99

AAdvantage Aviator Red

$99

Southwest Rapid Rewards® Premier Credit Card

$99

Hawaiian Airlines World Elite Mastercard

$99

Citi / AAdvantage Platinum Select World Elite Mastercard

$99

Delta SkyMiles Gold® American Express

$125

Marriott Bonvoy Business® American Express®

$149

Southwest Rapid Rewards® Priority Credit Card

$150

Capital One Spark Cash Plus

$150

American Express Green Card

$199

World of Hyatt Business Credit Card

$199

Southwest Rapid Rewards® Performance Business

$250

Delta SkyMiles® Platinum Business American Express

$250

Delta SkyMiles® Platinum American Express

$250

United Quest

$250

American Express Gold

$295

American Express® Business Gold

$395

Capital One Venture X Rewards

$400

U.S. Bank Altitude Reserve

$450

United Club

$450

Citi AAvantage Executive World Elite

$450

American Express Hilton Honors Aspire

$495

Citi Prestige

$499

Emirates Skywards Premium World Elite Mastercard

$525

United Club℠ Infinite Card

$550

Delta SkyMiles® Reserve Business American Express

$550

Chase Sapphire Reserve

$550

Delta SkyMiles Reserve® American Express

$650

Marriott Bonvoy Brilliant™ American Express®

$695

American Express Platinum
$695
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.

Try the Analyzer nowGo

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

Excellent

excellent

Excellent

In the top 15% of cards.

Are Annual Fees Worth It?
The GigaPoints Guide to Credit Card Annual Fees Article
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.

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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%