Best Navy Federal Cards of 2024
Best for travel rewards
Navy Federal Credit Union Visa Signature® Flagship Rewards Card
On Navy Federal Credit Union's Website
4.8
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Navy Federal Credit Union's Website
Up to 3X Reward Rate
Earn 3 points per dollar on travel and 2 points per dollar on everything else.
Welcome Bonus
40,000 bonus points + Amazon Prime®
Annual Fee
$49
Regular APR
15.24% - 18.00% variable
Credit Score
Good,Excellent(700 - 749)
Our Expert Take
Membership is required, and there’s a modest annual fee, but the benefits can be worthwhile. You’ll get a solid rewards rate on spending, decent ongoing APR and generous welcome offer. If you qualify, go for it.
Pros & Cons
- 3 points per dollar on travel and 2 points per dollar on everything else
- No foreign transaction fees
- Relatively low APR
- No cash advance fees
- A free year of Amazon Prime®
- Requires Navy Fed Membership, although that is easier to obtain than you might imagine
Card Details
- Earn 40,000 bonus points (a $400 value) when you spend $3,500 within 90 days of opening your account. Plus a free year of Amazon Prime® worth of $139 value. Offer available from 5/1/2024 – 6/30/2024.
- 3 points per dollar spent on travel and 2 points on everything else
- No foreign transaction fees
- Statement credits of up to $100 for Global Entry or TSA PreCheck
Earn 40,000 bonus points (a $400 value) when you spend $3,500 within 90 days of opening your account. Plus a free year of Amazon Prime® worth of $139 value. Offer available from 5/1/2024 - 6/30/2024.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best no annual fee card
Navy Federal More Rewards American Express® Card
On Navy Federal Credit Union's Website
4.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Navy Federal Credit Union's Website
Up to 3X Reward Rate
Earn 3X points at restaurants and on food delivery; Earn 3X points at supermarkets, gas and transit; Earn 1X pointsRead More
Welcome Bonus
Earn 30,000 bonus points + LTO $98 Statement Credit for an Annual Walmart+ Membership
Annual Fee
$0
Regular APR
14.90% - 18.00% variable
Credit Score
Fair,Good,Excellent(700 - 749)
Our Expert Take
The Navy Federal More Rewards American Express Card combines compelling bonus categories and a lack of fees. Navy Federal Credit Union membership is required, but it’s easier to attain that you might realize.
Pros & Cons
- Generous rewards on common spending categories
- Benefits such as price protection and extended warranty
- No annual fee and no foreign transaction fee
- Military connection required to join NFCU
- Minimum redemption for cash back is $50
Card Details
- No annual fee
- Earn 3X points per dollar spent at restaurants, on food delivery, at supermarkets and on gas and transit and 1X points on everything else
- Points redeemed for cash, travel, gift cards and merchandise
- Earn up to 25% off car rental, plus car rental loss & damage insurance
- Entertainment Access: Get early access to purchase tickets for shows, sports and concerts nationwide, all year round
Earn 30,000 bonus points after spending $3,000 within 90 days of account opening. Plus for a limited time, earn a one-time $98 statement credit when you pay $49 or more for an annual Walmart+ membership using your More Rewards credit card. Offer available from 3/1/2024 - 6/30/2024.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best for people with average credit
Navy Federal GO REWARDS® Credit Card
On Navy Federal Credit Union's Website
3.9
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Navy Federal Credit Union's Website
Up to 3X Reward Rate
Earn 3x points at restaurants, 2x points on gas and 1x points on everything else.
Welcome Bonus
N/A
Annual Fee
$0
Regular APR
14.24% - 18.00% variable
Credit Score
Fair,Good,Excellent(700 - 749)
Our Expert Take
If you have average credit, you can still earn rewards without an annual fee. There are also none of the usual fees that other cards charge.
Pros & Cons
- No annual fee
- No foreign transaction fees
- Those with average credit may qualify
- Credit union membership required
- Limited extra benefits
Card Details
- Earn 3x points per dollar spent at restaurants, 2x points on gas and 1x points on everything else
- No annual fee
- No balance transfer or foreign transaction fees
N/A
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best for earning cash back
Navy Federal cashRewards Credit Card
On Navy Federal Credit Union's Website
3.9
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Navy Federal Credit Union's Website
Up to 1.75X Reward Rate
Earn up to 1.75% cash back on all purchases (enroll and maintain direct deposit required; 1.5% cash back earned otherwise).
Welcome Bonus
$300 cash back + LTO of $98 statement credit on annual Walmart+ membership
Annual Fee
$0
Regular APR
14.90% - 18.00% variable
Credit Score
Fair,Good,Excellent(700 - 749)
Our Expert Take
If you prefer cash back, this is an option for decent rewards. If you bank with Navy Federal and get a direct deposit, you’ll earn a little more—which is always a good thing.
Pros & Cons
- No annual fee
- No foreign transaction fees
- No balance transfer fees
- Low regular APR on purchases
- Mediocre cash-back rewards
- Direct deposit with Navy Federal is required to received the full 1.75% cash back
Card Details
- Earn $300 cash back after spending $3,000 within 90 days of account opening. Additionally, earn a one-time $98 statement credit when you pay $49 or more for an annual Walmart+ membership. Offer available from 3/1/2024 – 6/30/2024.
- Earn up to 1.75% cash back on all purchases to members with direct deposit at Navy Federal
- No annual fee
- No rewards limit
Earn $300 cash back after spending $3,000 within 90 days of account opening. Additionally, get a one-time $98 statement credit when you pay $49 or more for an annual Walmart+ membership. Offer available from 3/1/2024 - 6/30/2024.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best for intro APR on balance transfers
Navy Federal Credit Union Platinum Credit Card
On Navy Federal Credit Union's Website
3.5
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Navy Federal Credit Union's Website
No Rewards
This card does not earn rewards.
Welcome Bonus
N/A
Annual Fee
$0
Regular APR
11.24% - 18.00% variable
Credit Score
Fair,Good,Excellent(650 - 699)
Editor's Take
Many people skip credit union cards because they assume they won’t qualify. Navy Federal might be easier to join than you realize, and the card doesn’t charge a fee for balance transfers, making for a low cost balance transfer option.
Pros & Cons
- No annual fee
- No balance transfer fees
- No foreign transaction fees
- Low interest rates
- No promotional interest rate on purchases
- No rewards program
- There are longer promotional APR periods available
Card Details
- No annual fee
- No foreign transaction, cash advance or balance transfer fee
- Zero Liability policy for unauthorized transactions
- 24/7 access to stateside member reps
- Enjoy the ability to freeze and unfreeze your cards
- Gain free access to your FICO® Score
N/A
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best secured card
Navy FCU nRewards® Secured Credit Card *
2.9
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
1X Reward Rate
Earn 1X points per dollar spent
Welcome Bonus
N/A
Annual Fee
$0
Regular APR
18.00% variable
Credit Score
Bad/Poor(0 - 649)
Our Expert Take
A secured card with no annual fees, no balance transfer fees and rewards, the NRewards is a solid choice for those who qualify and are eligible for the Navy Federal Credit Union.
Pros & Cons
- No annual fee
- No foreign transaction fees
- Earn 1 point per dollar spent
- No cash advance fees at Navy Federal branches or ATMs
- Navy Federal requires membership, which means you need to have at least a grandparent or grandkid who’s a veteran or active military member
- As a secured card, the account requires a deposit
Card Details
- Cell phone protection
- No annual fee, cash advance fees, or balance transfer fees (terms apply)
- Earn 1X points per dollar spent
- No rewards limit
- Points can be redeemed for cash, statement credit, gift cards and merchandise
N/A
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Information provided on Forbes Advisor is for educational purposes only. Your financial situation is unique and the products and services we review may not be right for your circ*mstances. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. Performance information may have changed since the time of publication. Past performance is not indicative of future results.
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