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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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Showing 9 Cards

Date Reviewed: December 16, 2019

Navy Federal cashRewards Visa Signature® Credit Card

Navy Federal cashRewards Visa Signature® Credit Card
  • Regular Purchase APR 9.65% to 18% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 9.65% to 18% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 11.65% to 20% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good , Fair
  • Intro Purchase APR 0% for 6 months from account opening date
  • Processing Network Visa
Best Benefits
  • Earn 1.5% cash back on purchases
  • Get $150 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
  • Intro Purchase APR: 0% for 6 months from account opening date
  • Regular Purchase APR: 9.65% to 18% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 9.65% to 18% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 11.65% to 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 per transaction
  • Penalty APR: 18%
  • Late Payment Penalty Fee: Up to $20
  • Return Payment Penalty Fee: Up to $20
Credit Card Deals
  • Spoil your pup with a FREE upgrade to BarkBox. - Offer Expires on December 31, 2020 - See Details
  • Save 10% on all Afternoon Tea orders - Offer Expires on December 31, 2020 - See Details
  • Save 10% on The Berlin Pass - Offer Expires on December 31, 2020 - See Details
  • Complimentary EZ Mini Crunchies (60g) when you spend S$120 - Offer Expires on December 31, 2020 - See Details
  • 10% off museum entry - Offer Expires on December 31, 2020 - See Details
  • Save up to 55% on London theater tickets - Offer Expires on December 31, 2020 - See Details
  • Save an extra 10% on Tower of London access tickets - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Alamo® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Enterprise Rent-A-Car® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% on The Paris Explorer Pass - Offer Expires on December 31, 2020 - See Details
  • View All Deals -

Date Reviewed: August 15, 2019

Navy Federal Mastercard® Business Card

Navy Federal Mastercard® Business Card
  • Regular Purchase APR 9.15% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 9.15% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 11.15% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed 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: 9.15% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 9.15% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 11.15% variable based on creditworthiness and the Prime Rate
  • Penalty APR: 14.25% variable based on the Prime Rate
  • Foreign Transaction Fee: 1% of transcation in US Dollars
  • Late Payment Penalty Fee: Up to $20
  • Return Payment Penalty Fee: Up to $20

Date Reviewed: August 15, 2019

Navy Federal Visa® Business Card

Navy Federal Visa® Business Card
  • Regular Purchase APR 9.15% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 9.15% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 11.15% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed 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: 9.15% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 9.15% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 11.15% variable based on creditworthiness and the Prime Rate
  • Penalty APR: 14.25% variable based on the Prime Rate
  • Foreign Transaction Fee: 1% of transaction in US Dollars
  • Late Payment Penalty Fee: Up to $20
  • Return Payment Penalty Fee: Up to $20
Credit Card Deals
  • Spoil your pup with a FREE upgrade to BarkBox. - Offer Expires on December 31, 2020 - See Details
  • Save 10% on all Afternoon Tea orders - Offer Expires on December 31, 2020 - See Details
  • Save 10% on The Berlin Pass - Offer Expires on December 31, 2020 - See Details
  • Complimentary EZ Mini Crunchies (60g) when you spend S$120 - Offer Expires on December 31, 2020 - See Details
  • 10% off museum entry - Offer Expires on December 31, 2020 - See Details
  • Save up to 55% on London theater tickets - Offer Expires on December 31, 2020 - See Details
  • Save an extra 10% on Tower of London access tickets - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Alamo® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Enterprise Rent-A-Car® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% on The Paris Explorer Pass - Offer Expires on December 31, 2020 - See Details
  • View All Deals -

Date Reviewed: August 15, 2019

Navy Federal nRewards Secured Credit Card

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 Needed 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
  • Cash Advance APR: 20% variable based on the Prime Rate
  • Penalty APR: 18%
  • Late Payment Penalty Fee: Up to $20
  • Return Payment Penalty Fee: Up to $20
  • Minimum Deposit Required: $200

Date Reviewed: August 15, 2019

Navy Federal Visa® Platinum

Navy Federal Visa® Platinum
  • Regular Purchase APR 5.99% to 18% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 5.99% to 18% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 7.99% to 20% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed 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: 5.99% to 18% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months from account opening date
  • Balance Transfer APR: 5.99% to 18% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 7.99% to 20% variable based on the Prime Rate
  • Penalty APR: 18%
  • Late Payment Penalty Fee: Up to $20
  • Return Payment Penalty Fee: Up to $20
Credit Card Deals
  • Spoil your pup with a FREE upgrade to BarkBox. - Offer Expires on December 31, 2020 - See Details
  • Save 10% on all Afternoon Tea orders - Offer Expires on December 31, 2020 - See Details
  • Save 10% on The Berlin Pass - Offer Expires on December 31, 2020 - See Details
  • Complimentary EZ Mini Crunchies (60g) when you spend S$120 - Offer Expires on December 31, 2020 - See Details
  • 10% off museum entry - Offer Expires on December 31, 2020 - See Details
  • Save up to 55% on London theater tickets - Offer Expires on December 31, 2020 - See Details
  • Save an extra 10% on Tower of London access tickets - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Alamo® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Enterprise Rent-A-Car® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% on The Paris Explorer Pass - Offer Expires on December 31, 2020 - See Details
  • View All Deals -

Date Reviewed: August 14, 2019

Navy Federal GO REWARDS® Credit Card

Navy Federal GO REWARDS® Credit Card
  • Regular Purchase APR 8.99% to 18% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 8.99% to 18% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 10.99% to 20% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good , Fair
  • Processing Network Visa
Best Benefits
  • 3X points at restaurants
  • 2X points on gas
  • 1X point on everything else
  • No annual fee
Rates & Fees
  • Regular Purchase APR: 8.99% to 18% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 8.99% to 18% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 10.99% to 20% variable based on the Prime Rate
  • Penalty APR: 18%
  • Late Payment Penalty Fee: Up to $20
  • Return Payment Penalty Fee: Up to $20
Credit Card Deals
  • Spoil your pup with a FREE upgrade to BarkBox. - Offer Expires on December 31, 2020 - See Details
  • Save 10% on all Afternoon Tea orders - Offer Expires on December 31, 2020 - See Details
  • Save 10% on The Berlin Pass - Offer Expires on December 31, 2020 - See Details
  • Complimentary EZ Mini Crunchies (60g) when you spend S$120 - Offer Expires on December 31, 2020 - See Details
  • 10% off museum entry - Offer Expires on December 31, 2020 - See Details
  • Save up to 55% on London theater tickets - Offer Expires on December 31, 2020 - See Details
  • Save an extra 10% on Tower of London access tickets - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Alamo® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Enterprise Rent-A-Car® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% on The Paris Explorer Pass - Offer Expires on December 31, 2020 - See Details
  • View All Deals -

Date Reviewed: August 14, 2019

Navy Federal Visa Signature® Flagship Rewards

Navy Federal Visa Signature® Flagship Rewards
  • Regular Purchase APR 9.99% to 18% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 9.99% to 18% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 11.99% to 20% variable based on the Prime Rate
  • Annual Fee None for the first year; $49 after that
  • Credit Needed Excellent , Good
  • 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
Rates & Fees
  • Regular Purchase APR: 9.99% to 18% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 9.99% to 18% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 11.99% to 20% variable based on the Prime Rate
  • Penalty APR: 18%
  • Annual Fee: None for the first year; $49 after that
  • Late Payment Penalty Fee: Up to $20
  • Return Payment Penalty Fee: Up to 20%
Credit Card Deals
  • Spoil your pup with a FREE upgrade to BarkBox. - Offer Expires on December 31, 2020 - See Details
  • Save 10% on all Afternoon Tea orders - Offer Expires on December 31, 2020 - See Details
  • Save 10% on The Berlin Pass - Offer Expires on December 31, 2020 - See Details
  • Complimentary EZ Mini Crunchies (60g) when you spend S$120 - Offer Expires on December 31, 2020 - See Details
  • 10% off museum entry - Offer Expires on December 31, 2020 - See Details
  • Save up to 55% on London theater tickets - Offer Expires on December 31, 2020 - See Details
  • Save an extra 10% on Tower of London access tickets - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Alamo® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Enterprise Rent-A-Car® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% on The Paris Explorer Pass - Offer Expires on December 31, 2020 - See Details
  • View All Deals -

Date Reviewed: August 14, 2019

Navy Federal More Rewards American Express® Card

Navy Federal More Rewards American Express® Card
  • Regular Purchase APR 9.65% to 18% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 9.65% to 18% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 11.65% to 16% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good , Fair
  • Processing Network American Express
Best Benefits
  • Earn 25,000 Bonus Points when you spend $3,000 in the first 90 days
  • A great choice for everyday spending and grocery shopping
  • No annual fee
  • No foreign transaction fees
Rates & Fees
  • Regular Purchase APR: 9.65% to 18% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 9.65% to 18% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 11.65% to 16% variable based on the Prime Rate
  • Penalty APR: 18%
  • Late Payment Penalty Fee: Up to $20
  • Return Payment Penalty Fee: Up to $20
Credit Card Deals
  • Spend $1,000 or more, get $200 back - Offer Expires on November 30, 2020 - See Details
  • Spend $50 or more, get $10 back - Offer Expires on December 31, 2020 - See Details
  • Spend $35 +, get $7 back. Up to 2 times (total of $14). - Offer Expires on November 15, 2020 - See Details
  • Spend $9.99 or more, get $9.99 back - Offer Expires on December 31, 2020 - See Details
  • View All Deals -

Date Reviewed: August 14, 2019

Navy Federal cashRewards World Mastercard®

Navy Federal cashRewards World Mastercard®
  • Regular Purchase APR 9.65% to 18% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 9.65% to 18% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 11.65% to 20% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good , Fair
  • Intro Purchase APR 0% for 6 months from account opening date
  • Processing Network Mastercard
Best Benefits
  • Earn 1.5% cash back on purchases
  • Get $150 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
  • Intro Purchase APR: 0% for 6 months from account opening date
  • Regular Purchase APR: 9.65% to 18% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 9.65% to 18% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 11.65% to 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 per transaction
  • Penalty APR: 18%
  • Late Payment Penalty Fee: Up to $20
  • Return Payment Penalty Fee: Up to $20

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 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:

What Credit Score Do You Need to Get a Navy Federal Credit Card?

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.

What’s the easiest Navy Federal credit card to get?

the Navy Federal nRewards Secured Credit Card is the easiest Navy Federal Credit Union credit card to get, since it requires a limited credit history – or no credit history at all.

Which Credit Bureau Does Navy Federal Use?

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.

How do I redeem Navy Federal Flagship Rewards?

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.

How to Replace Your Navy Federal Credit Card

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.

Does Navy Federal Automatically Increase Credit Limits?

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.

Does Navy Federal allow cash advances with their credit cards?

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