Navy Federal Credit Union Credit Cards

Navy Federal Credit Union is a leading credit card issuer that offers personal credit cards for both business and individuals who are members of the U.S. Navy – or are family with a Navy service member – and need a card to repair their credit, run their business, as well as cards for everyday use. Learn about NFCU offers and find out how to apply for a credit card with Navy Federal below.

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Navy Federal cashRewards Visa Signature® Credit Card

Get $200 Bonus Cash

Navy Federal cashRewards Visa Signature® Credit Card
  • Regular Purchase APR 12.65% to 18.00% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 12.65% to 18.00% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 14.65% to 20.00% variable based on the Prime Rate
  • Annual Fee None
  • Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.
    Excellent , Good , Fair
  • Processing Network Visa
Best Benefits
  • Earn 1.5% cash back on purchases
  • Get $200 Bonus Cash Back
  • No annual fee or foreign transaction fees
  • No balance transfer fee or cash advance fees
  • No rewards limit, no rewards expiration
Rates & Fees
  • Regular Purchase APR: 12.65% to 18.00% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 12.65% to 18.00% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 14.65% to 20.00% variable based on the Prime Rate
  • Cash Advance Transaction Fee: None if performed at a Navy Federal branch or ATM. Otherwise, up to $1 per transaction for ATM Cash Advance
  • Penalty APR: 18%
  • Late Payment Penalty Fee: Up to $20
  • Return Payment Penalty Fee: Up to $20
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Navy Federal GO BIZ Rewards Mastercard® Business Card

Convenience and Rewards for Your Business

Navy Federal GO BIZ Rewards Mastercard® Business Card
  • Regular Purchase APR 12.15% to 18% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 12.15% to 18% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 17.25% to 18% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.
    Excellent , Good
  • Processing Network Mastercard
Best Benefits
  • No annual fee
  • Earn 1 point for every dollar spent
  • No cap on amount of points you can earn
Rates & Fees
  • Regular Purchase APR: 12.15% to 18% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 12.15% to 18% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 17.25% to 18% variable based on creditworthiness and the Prime Rate
  • Cash Advance Transaction Fee: If performed at an ATM other than one owned by NFCU, up to $1
  • Penalty APR: 14.25% variable based on the Prime Rate
  • Late Payment Penalty Fee: Up to $20
  • Return Payment Penalty Fee: Up to $20
Credit Card Deals

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Navy Federal GO BIZ Rewards Visa® Business Card

Convenience and Rewards for Your Business

Navy Federal GO BIZ Rewards Visa® Business Card
  • Regular Purchase APR 12.15% to 18% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 12.15% to 18% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 17.25% to 18% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.
    Excellent , Good
  • Processing Network Visa
Best Benefits
  • No annual fee
  • Earn 1 point per dollar spent
  • No cap on points earnable
Rates & Fees
  • Regular Purchase APR: 12.15% to 18% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 12.15% to 18% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 17.25% to 18% variable based on creditworthiness and the Prime Rate
  • Cash Advance Transaction Fee: If performed at an ATM other than one owned by NFCU, up to $1.00 for ATM cash advances
  • Penalty APR: 14.25% variable based on the Prime Rate
  • Late Payment Penalty Fee: Up to $20
  • Return Payment Penalty Fee: Up to $20
Credit Card Deals

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Navy Federal nRewards Secured Credit Card

Earn Rewards While Building Credit

Navy Federal nRewards Secured Credit Card
  • Regular Purchase APR 18% variable based on the Prime Rate
  • Balance Transfer APR 18% variable based on the Prime Rate
  • Cash Advance APR 20% variable based on the Prime Rate
  • Annual Fee None
  • Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.
    Poor , No Credit Required
  • Processing Network Mastercard
Best Benefits
  • No annual fee
  • No foreign transaction fees
  • 1x points for every dollar spent
Rates & Fees
  • Regular Purchase APR: 18% variable based on the Prime Rate
  • Balance Transfer APR: 18% variable based on the Prime Rate
  • Balance Transfer Transaction Fee: None
  • Cash Advance APR: 20% variable based on the Prime Rate
  • Cash Advance Transaction Fee: None if performed at a Navy Federal branch or ATM. Otherwise, up to $1
  • Penalty APR: 18%
  • Late Payment Penalty Fee: Up to $20
  • Return Payment Penalty Fee: Up to $20
  • Minimum Deposit Required: $200
Credit Card Deals

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Navy Federal Visa® Platinum

Designed for Carrying a Balance

Navy Federal Visa® Platinum
  • Regular Purchase APR 8.99% to 18.00% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 8.99% to 18.00% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 10.99% to 20.00% variable based on the Prime Rate
  • Annual Fee None
  • Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.
    Excellent , Good , Fair
  • Processing Network Visa
Best Benefits
  • No annual fee
  • 0% introductory APR for the first 12 months after opening account
  • No foreign transaction fees
Rates & Fees
  • Regular Purchase APR: 8.99% to 18.00% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months from account opening date
  • Balance Transfer APR: 8.99% to 18.00% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 10.99% to 20.00% variable based on the Prime Rate
  • Cash Advance Transaction Fee: None if performed at a Navy Federal branch or ATM. Otherwise, up to $1 for ATM Cash Advance
  • Penalty APR: 18%
  • Late Payment Penalty Fee: Up to $20
  • Return Payment Penalty Fee: Up to $20
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Navy Federal GO REWARDS® Credit Card

15,000 Bonus Point Offer

Navy Federal GO REWARDS® Credit Card
  • Regular Purchase APR 11.99% to 18.00% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 11.99% to 18.00% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 13.99% to 20.00% variable based on the Prime Rate
  • Annual Fee None
  • Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.
    Excellent , Good , Fair
  • Processing Network Visa
Best Benefits
  • Earn 3X points per dollar spent at restaurants
  • Earn 2X points per dollar spent on gas
  • 1X point per dollar spent on everything else
  • No annual fee
  • Earn 15,000 points (a $150 value) after you spend $1,000 within 90 days of opening an account
Rates & Fees
  • Regular Purchase APR: 11.99% to 18.00% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0.99% for 6 months from account opening date
  • Balance Transfer APR: 11.99% to 18.00% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 13.99% to 20.00% variable based on the Prime Rate
  • Cash Advance Transaction Fee: None if performed at a Navy Federal branch or ATM. Otherwise, up to $1 for ATM Cash Advance
  • Penalty APR: 18%
  • Late Payment Penalty Fee: Up to $20
  • Return Payment Penalty Fee: Up to $20
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Navy Federal Visa Signature® Flagship Rewards

30,000 Point Introductory Offer

Navy Federal Visa Signature® Flagship Rewards
  • Regular Purchase APR 12.99% to 18.00% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 12.99% to 18.00% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 14.99% to 20.00% variable based on the Prime Rate
  • Annual Fee $49
  • Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.
    Excellent , Good
  • Intro Purchase APR 1.99% for 6 months from account opening date
  • Processing Network Visa
Best Benefits
  • Earn 3X points on travel
  • Earn 2X points on all other purchases
  • $100 statement credit towards TSA Pre-Check or Global Entry applications
  • No foreign transaction fees
  • Earn 30,000 bonus points (a $300 value) after spending $3,000 within 90 days of opening an account
Rates & Fees
  • Intro Purchase APR: 1.99% for 6 months from account opening date
  • Regular Purchase APR: 12.99% to 18.00% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 12.99% to 18.00% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 14.99% to 20.00% variable based on the Prime Rate
  • Cash Advance Transaction Fee: None if performed at a Navy Federal branch or ATM. Otherwise, up to $1 for ATM Cash Advance
  • Penalty APR: 18%
  • Annual Fee: $49
  • Late Payment Penalty Fee: Up to $20
  • Return Payment Penalty Fee: Up to $20
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Navy Federal More Rewards American Express® Card

Earn 25,000 Bonus Points

Navy Federal More Rewards American Express® Card
  • Regular Purchase APR 11.90% to 18.00%% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 11.90% to 18.00%% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 13.90% to 20.00% variable based on the Prime Rate
  • Annual Fee None
  • Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.
    Excellent , Good , Fair
  • Processing Network American Express
Best Benefits
  • Earn 25,000 points (a $250 value) when you spend $3,000 within 90 days of opening an account
  • A great choice for everyday spending and grocery shopping
  • No annual fee
  • No foreign transaction fees
  • Enjoy 0% APR on purchases for 12 months
Rates & Fees
  • Regular Purchase APR: 11.90% to 18.00%% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 11.90% to 18.00%% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 13.90% to 20.00% variable based on the Prime Rate
  • Cash Advance Transaction Fee: None if performed at a Navy Federal branch or ATM. Otherwise, up to $1 for ATM Cash Advance
  • Penalty APR: 18%
  • Late Payment Penalty Fee: Up to $20
  • Return Payment Penalty Fee: Up to $20

Navy Federal cashRewards World Mastercard®

Get $200 Bonus Cash

Navy Federal cashRewards World Mastercard®
  • Regular Purchase APR 11.90% to 18.00%% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 11.90% to 18.00%% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 13.90% to 20.00% variable based on the Prime Rate
  • Annual Fee None
  • Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.
    Excellent , Good , Fair
  • Processing Network Mastercard
Best Benefits
  • Earn 1.5% cash back on purchases
  • Get $200 Bonus Cash
  • No annual fee or foreign transaction fees
  • No balance transfer fee or cash advance fees
  • No rewards limit, no rewards expiration
Rates & Fees
  • Regular Purchase APR: 11.90% to 18.00%% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 11.90% to 18.00%% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 13.90% to 20.00% variable based on the Prime Rate
  • Cash Advance Transaction Fee: None if performed at a Navy Federal branch or ATM. Otherwise, up to $1 per transaction
  • Penalty APR: 18%
  • Late Payment Penalty Fee: Up to $20
  • Return Payment Penalty Fee: Up to $20
Credit Card Deals

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Join today!

About Navy Federal Credit Union

Navy Federal Credit Union is the largest credit union in the United States by total assets. The credit union, also known as Navy Federal, has over $100 billion in assets, as of December 2019. Navy Federal also boasts nearly nine million members throughout the United States – more than any other credit union, federal or local.

Navy Federal Credit Union began life as Navy Department Employees’ Credit Union in 1933. At that time, only enlisted Navy members of the Employees Credit Union could join, with this being the case until 1947.

In 1947, the Navy Department Employees Federal Credit Union (NDEFCU). was created, with membership open to all Navy members in the Washington, D.C. area. Membership expanded to include all U.S. naval officers (regardless of location) in 1954, all enlisted personnel in 1962, and all naval contractors in 2003.

Today, Navy Federal offers an impressive selection of credit cards, including some of the best credit union credit cards available.

Who Can Join Navy Federal Credit Union?

As of 2013, membership in Navy Federal is open to the following individuals:

  • Active duty members of the Army, Navy, Air Force, Marines, Coast Guard, and Air National Guard
  • Department of Defense (DoD) reservists and officer candidates
  • Delayed Entry Program (DEP) members
  • Veterans, retirees, and annuitants of the armed forces
  • DoD civilian employees
  • DoD contractors assigned to government installations
  • U.S. Government employees assigned to DoD installations
  • DoD civilian retirees and annuitants
  • Family members of Navy Federal members, including parents, grandparents, siblings, spouses, children, grandchildren, and other household members

Navy Federal Branches and Locations

Navy Federal Credit Cards

Navy Federal offers a wide selection of credit cards to fit the needs of all members. Current card options include travel rewards cards, cash back cards, business cards, and a secured credit card.

Features of All Navy Federal CU Credit Cards

Some Navy Federal (NFCU) cards offer unique perks, such as bonus points on travel, cash back, and more. All NFCU credit cards, however, come with the following features, regardless of credit card type, or credit score:

  • 24/7 access to U.S.-based membership representatives
  • No balance transfer fees
  • No foreign transaction fees
  • Free access to your FICO scores every month
  •  Zero Fraud Liability
  • Freeze/Unfreeze your card
  • Comprehensive fraud alerts and notifications

Navy Federal Credit Union FAQs

As the largest credit union in the United States, there’s plenty of interest in NFCU credit cards. Here are some of the most frequently asked questions about Navy Federal credit cards:

  • Most Navy Federal credit cards require a good credit score or an excellent credit score to qualify. The very best Navy Federal cards require a minimum credit score of 700 for approval. Fortunately, there are options for people looking to rebuild their credit score, such as the Navy Federal nRewards Secured Credit Card. Secured credit cards require a cash deposit, which makes them much easier to get for people with a bad credit score- or no credit history. With NFCU secured cards, the deposit is linked to an eligible NFCU savings account or checking account.

Navy Federal, like other card issuers, reports to major credit bureaus every month. NFCU currently used Equifax as their source when determining if applicants are eligible for a card product they offer.

  • Certain NFCU credit cards, like the Navy Federal Travel Card, earn points in the Navy Federal Flagship Rewards program. Points in the program are redeemable for a variety of award options, including travel, cash back, merchandise, and more. Members can redeem points through Navy Federal Online Banking at navyfederal.org or, by calling toll-free at 1-855-575-4642 (within the U.S.). For more information on Navy Fed credit card rewards, including Navy Federal Flagship credit card benefits, check out our individual reviews above.
  • One of the great features of Navy Federal Credit Union credit cards si the ability to replace a lost or stolen card directly at your nearest bank branch.  This perk applies at both domestic and international branches, meaning servicemen and women (and their families) never have to be without the purchasing power that comes from a Navy Fed Visa, Mastercard, or rewards American Express card.
  • The CU may extend credit limits after a six-month review, but most cardholders need to request a credit line increase personally. To request a line increase, contact stateside representatives at 1 (888) 842-6328 or log in to your account and send a secure message to a representative.

Yes, though always be wary before conducting a cash advance, as the interest rate may be higher than your purchase APR.

If you overpay your statement balance on a secured credit card, you will have a negative balance. Your credit limit will still be the original deposit amount, but you will have a credit for the amount you overpaid.

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BestCards is an independent, Florida-based credit card comparison platform. Many of the card offers that appear on this site are from companies from which BestCards receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). BestCards does not include all card companies or all card offers available in the marketplace.

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