Navy Federal Credit Union offers credit cards with no annual fees, low APRs, no foreign transaction fees, and rewards for military members and families.
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Navy Federal Credit Union (NFCU) was founded in 1933 and is a member-centric financial services organization dedicated to providing maximum value for more than 13 million members worldwide.
With $178 billion in assets, NFCU fosters financial health and well-being for the military, Veterans, and their families with various options, including several credit card options.
Here’s a quick look at the best Navy Federal credit cards for various categories based on our reviews. An in-depth analysis of each card can be found further down this page.
NFCU credit cards offer robust features and benefits tailored to meet their members’ diverse needs. Known for their competitive rewards structures, NFCU credit cards provide excellent value through cash back, points, and travel perks designed to maximize everyday spending and enhance travel experiences.
These cards are highly regarded for their user-friendly policies, including low or no annual fees, generous credit limits, and flexible redemption options. NFCU’s commitment to exceptional customer service and support ensures a positive experience for cardholders, reinforcing the credit union’s reputation for member satisfaction.
The combination of valuable rewards, accommodating policies, and superior service makes Navy Federal Credit Union credit cards a compelling option for consumers seeking to optimize their financial activities.
Compare the rates, fees, and rewards of top credit cards for military servicemembers and veterans, including cards with waived annual fees under the SCRA.
If you’re already a member, you can find out if you prequalify for a credit card before you apply. You’ll need to answer three questions:
Navy Federal will pull your information and run a quick credit check without affecting your credit score. This will let you know if you’re eligible to receive a specific card before submitting your application, resulting in less of a risk of being denied.
Being prequalified doesn’t guarantee you can receive a card. If your application isn’t approved, you’ll receive a letter from Navy Federal within 30 days explaining the reason why. Also, prequalification is not the same as preapproval.
Both will determine whether you are eligible to be a cardholder, but the member generates a prequalification, while the financial institution generates a preapproval.
Interested in joining Navy Federal Credit Union? Get started here.
Navy Federal offers members six choices of credit cards so that you can easily tailor a card to your specific needs and spending patterns. Here’s a quick overview of each.
The NFCU cashRewards card earns up to 1.75% cash back on all purchases (enrolling and maintaining direct deposit is required; 1.5% cash back is earned otherwise) and has no annual fee or foreign transaction fees.
On Navy Federal Credit Union’s secure website.
Product Description: This card is best for people with a busy lifestyle who enjoy dining out and have average to excellent credit.
Other FeaturesIf you don’t quite qualify for a top-tier rewards card, the Navy Federal GO REWARDS® Credit Card is a solid alternative worth considering. It’s geared towards those with average or better credit, has no annual fees, and lets you earn 3 points per dollar spent at restaurants, 2 points per dollar on gas, and 1 point per dollar on everything else.
Plus, if you usually carry a balance, you’ll appreciate the card’s relatively low APR range. Just remember: to apply for this card, you’ll need to be a member of Navy Federal Credit Union, which is open to military members, Department of Defense employees, and their families.
Rates & Fees:
Rewards:
Additional Info:
On Navy Federal Credit Union’s secure website.
Product Description: If you know you’ll maintain a balance on your credit card, you’ll want one with a low rate. The Platinum card is the way to go.
Other FeaturesThe Navy Federal Credit Union Platinum Credit Card might be a great option for those who want to tackle high-interest credit card debt . This card, available on both the Visa and Mastercard networks, has no annual or balance transfer fees.
It offers a 0.99% APR on balance transfers for the first 12 months, then an 11.99%-18.00% variable APR on purchases and balance transfers. This offer is valid from July 1, 2024, to January 1, 2025, for new card members who sign up within 60 days to transfer their balance.
On Navy Federal Credit Union’s secure website.
Product Description: The Navy Federal Credit Union Visa Signature Flagship Rewards Credit Card offers serious rewards on purchases, and no foreign transaction fees. It includes travel perks like insurance and concierge services, making it great for frequent travelers. The card has an annual fee but delivers substantial rewards and benefits.
Other FeaturesIf you’re open to credit cards with annual fees, the Navy Federal Visa Signature® Flagship Rewards Card is absolutely worth considering. It offers 3 points per dollar on travel and 2 points on everything else, making it superior to a 2% cash-back card for frequent travelers.
The card includes perks like travel accident insurance, TSA PreCheck/Global Entry fee waivers, and no foreign transaction fees, adding convenience and flexibility. However, some may find the benefits limited for a card with an annual fee. The APR ranges from 16.49% to 18.00%, but it is advisable to avoid carrying a balance to prevent interest charges.
On Navy Federal Credit Union’s secure website.
Product Description: Reward yourself for everyday spending with the More Rewards Card. This card is best for supermarket shopping and everyday spending.
Other FeaturesThe Navy Federal More Rewards American Express® Card is an excellent choice for everyday use, earning 3 points per dollar on restaurants, food delivery, supermarkets, gas, and transit, and 1 point per dollar on everything else. It’s a great fit for most people willing to join the credit union.
Alongside its strong rewards program, the card offers premium retail benefits like purchase damage and theft protection, price protection, and extended warranty, making it a versatile and valuable option for everyday spending.
On Navy Federal Credit Union’s secure website.
Product Description: Earn rewards while building or rebuilding credit with the nRewards Secured Credit Card.
Other FeaturesThe Navy FCU nRewards® Secured Credit Card is perfect for those building or rebuilding credit. It has no annual fees, foreign transaction fees, or cash advance fees at Navy Federal branches or ATMs, making it cost-effective compared to other secured cards.
This card earns an unlimited 1 point per dollar on eligible purchases, which is rare for secured cards. What sets it apart is the quick upgrade path to partially unsecured and then wholly unsecured accounts, making it a standout option for improving your credit.
See our complete review of Navy Federal nRewards card here.
On Navy Federal Credit Union’s secure website.
To access Member Deals, all you need is a Navy Federal Credit Card. Rewards earned from shopping with participating merchants in Member Deals will be credited to your Navy Federal Credit Card account.
To access member Deals, simply sign in to your online account and select the credit card you’d like to use from your “Account Summary.” Click “Member Deals” under “Rewards Points,” select a merchant and start shopping.
Cookies must be enabled in your web browser to receive credit while shopping at many of NFCU’s online retailers. This enables NFCU to track purchases to successfully give rewards for shopping at Member Deals.
You cannot go shopping and give your rewards to someone else. They are non-transferable.
After you make a purchase, the retailer will report the information needed to post your rewards back to Member Deals. Member Deals will use this information to post rewards to your account.
Rewards are calculated based on the net amount of eligible purchases. Taxes, special handling charges, returns, freight or shipping costs, and any unshipped products aren’t included in the calculation.
The rewards typically post to your account within 8 weeks of the purchase date.
Also, there is no limit to the number of rewards you can earn through Member Deals.
The more you shop, the more you earn. Be aware that the available retailers may change occasionally.
Depending on the merchant, specific products, types of purchases, shipment destinations, third-party services, etc. may not be eligible for bonus rewards and merchants may exclude bonus point offers on purchases shipped outside the continental United States.
No. Navy Federal does not charge foreign transaction fees on credit cards. However, NFCU does charge $0.50 for obtaining cash advances using non-Navy Federal ATMs in the U.S. and $1.00 in foreign locations.
You can safeguard your credit card account by setting up a Travel Plan through NFCU’s mobile app or sending a secure message through online banking. You’ll need to let Navy Federal know the dates you’re traveling and where you’re going.
They use your information to run a soft credit pull with the credit bureaus and confirm your identity.
Yes, you can add up to 4 authorized users. An authorized user can make purchases on your credit card account but isn’t an account owner. They aren’t financially responsible for the account, but NFCU will notify the credit bureaus that they’re authorized to use your account.
To add an authorized user, you must provide the authorized user’s Social Security Number, date of birth, address and name to be printed on their card. To get started, sign in to the mobile app, call 1-888-842-6328, or visit a branch.
Sign in to online banking to submit your credit limit increase request. If you prefer, send a secure message through online banking or 1-888-842-6328.
You’ll need to provide updated employment information, income details, and housing expenses
To see if you qualify, Navy Federeal will pull a current credit report.
If you temporarily misplace your Navy Federal credit or debit card, you can freeze it while you locate your card. Once found, you can unfreeze it in seconds on the mobile app and continue using it as you did before.
If your card is lost or stolen, or if you suspect you’re a victim of fraud or identity theft, call 1-888-842-6328 or send a secure message through online banking. NFCU will put an immediate hold on your account, and you’ll receive a new card in the mail within 7-14 business days.
NFCU’s Zero Liability policy ensures that you won’t be responsible for reported, unauthorized transactions on your account.
Based on more than 30,000 TrustPilot reviews, members give Navy Federal 4.5 out of 5 stars, including 83% of members who rate NFCU 5 out of 5 stars. Even more impressive, Navy Federal activity monitors TrustPilot and works to resolve problematic reviews, demonstrating its stated commitment to outstanding customer service.
Phone Support
Talk to a live person anytime. Stateside member reps are available 24/7 by calling 1-888-842-6328.
Business Solutions
Representatives are available Monday through Friday, 9 am to 5 pm ET at 1-877-418-1462.
Secure Message
If you want to discuss your account, you can sign in to online banking, choose “Messages,” and then “Send us a message.”
In Person
Team members at any branch can help. Before you go, you can book an appointment online to make your trip easier and faster.
Chat
Get your questions answered in real time. Look for the chat icon to appear on certain pages to start chatting. Stateside member reps are available Monday through Friday, from 9 am to 6 pm ET.
Social Media
Connect with Navy Federal on Facebook and Twitter.
General Mailing Address
Note: All rates, fees, and benefits are accurate at the time of publication but may be subject to change in the future. It’s best to double-check this important information before you apply for a Navy Federal credit card.
Disclosure:
Navy Federal Credit Union is an Equal Housing Lender. The products and services offered by Navy Federal are available to military servicemembers, veterans, and their families, but the credit union is not affiliated with the U.S. Department of Veteran Affairs or any other government agency. For more details about Navy Federal’s offerings and to ensure you are getting the most accurate and updated information, please visit Navy Federal’s official website.
Ryan Guina is The Military Wallet’s founder. He is a writer, small business owner, and entrepreneur. He served over six years on active duty in the USAF and is a current member of the Tennessee Air National Guard.
Ryan started The Military Wallet in 2007 after separating from active duty military service and has been writing about financial, small business, and military benefits topics since then.
Featured In: Ryan’s writing has been featured in the following publications: Forbes, Military.com, US News & World Report, Yahoo Finance, Reserve & National Guard Magazine (print and online editions), Military Influencer Magazine, Cash Money Life, The Military Guide, USAA, Go Banking Rates, and many other publications.
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