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Navy Federal cashRewards Credit Card review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
14.9% ‐ 18% (Variable)
Interest Rate: Purchases
14.9% ‐ 18% (Variable)
Balance Transfer
14.9% ‐ 18% (Variable)
Balance Transfer
14.9% ‐ 18% (Variable)
1.75% cashback
1.75% cashback
Signup Bonus
$300 after spending $3,000
Signup Bonus
$300 after spending $3,000

Informr score
The Navy Federal cashRewards Credit Card currently has an Informr score of 7.7 out of 10. This score is based on our evaluation of 9 sources including reviews from users and the web's most trusted critics.

Am I eligible?

Navy Federal cashRewards Credit Card is typically available to those with average credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


The Navy Federal cashRewards Card provides enough benefits to make it attractive to a wide range of potential members. Its high cash back rate–1.75% with direct deposit and 1.5% without–and $0 annual, balance transfer and foreign transaction fees make it a valuable card great for everyday spending....

- John Csiszar, GOBankingRates

The Navy Federal cashRewards Credit Card could be a good option if you're eligible for Navy Federal Credit Union membership and you want a simple way to earn cash rewards. This card doesn't over-complicate things when it comes to earning or redeeming rewards.

- Rebecca Lake, MyBankTracker

For those seeking a solid flat-rate rewards card but may not have the credit to qualify for a card offering 2% cash back, the Navy Federal cashRewards card may well be an appealing option, especially for those who can use the additional card benefits. For everyone else, let this card sail on by.

- Chauncey Crail, Forbes
Business Insider
Business Insider

Finding a rewards credit card that's light on fees can be a challenge. The Navy Federal Credit Union® cashRewards Credit Card is as close as it gets — and you'll even earn up to 1.75% cash back on all purchases. However, to qualify, you'll need to have ties to the military and join the credit union.

- Juan Ruiz, Business Insider

The Navy Federal Credit Union Visa Signature cashRewards Card is ideal if you want a simple flat-rate cash back card that has low fees and interest charges. However, since you need to have a military background to qualify, this card will only be a good option for you in the following scenarios.

- Brett Holzhauer, MoneyGeek


Interest Rates
Regular APR Interest Rate 14.9% ‐ 18% (Variable)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 14.9% ‐ 18% (Variable)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 16.9% ‐ 20% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee $0.00
Cash Advance Fee $0.00
Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $20.00


Sign up bonus $300 after spending $3,000
  • On purchases within the first 90 days
  • You can also get a one-time $98 statement credit when you pay $49 or more for an annual Walmart+ membership using your cashRewards credit card.
All Purchases 1.75% cash back

When you get a cashRewards card and enroll in direct deposit. Without direct deposit, you’ll still earn 1.5% cash back.

Restaurants No
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance Yes
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty No
Purchase Protection Yes
Zero Liability Yes
No Foreign Transaction Fees Yes
Emergency Assistance Yes
Concierge Service Yes
Price Protection No
Fraud Protection Yes
Free Credit Scores Yes
Wireless Payments No
Virtual Cards No
Additional Benefits
  • Emergency Card Replacement
  • Emergency Cash Disbursement
  • Roadside Dispatch
  • ID Navigator Powered by NortonLifeLock
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments -
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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