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Navy Federal GO REWARDS® Credit Card review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
14.24% ‐ 18% (Variable) (1.99% for the first 12 months)
Interest Rate: Purchases
14.24% ‐ 18% (Variable) (1.99% for the first 12 months)
Balance Transfer
14.24% ‐ 18% (Variable)
Balance Transfer
14.24% ‐ 18% (Variable)
1 - 3 points
1 - 3 points
Signup Bonus
10000 points (after spending $500)
Signup Bonus
10000 points (after spending $500)

Informr score
The Navy Federal GO REWARDS® Credit Card currently has an Informr score of 7.4 out of 10. This score is based on our evaluation of 5 sources including reviews from users and the web's most trusted critics.

Am I eligible?

Navy Federal GO REWARDS® 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...


This card may not float your boat, but it might not sink it entirely. Navy Federal’s website says that the card is available for those with average or better credit, and we find the card to be decent for those with average credit, but less appealing to those who can qualify for a card with richer re...

- Chauncey Crail, Forbes
Money Crashers
Money Crashers

With a relatively low APR and a solid rewards program redeemable for cash back, award travel, merchandise, it’s a great choice for folks seeking a greater variety of credit card rewards. With accelerated earnings on restaurant spending and gas station purchases, it’s comparable to popular credit car...

- Brian Martucci, Money Crashers

The Navy Federal GO REWARDS card has many good features, and it could be a solid option for members of the credit union with just average credit. That said, if you qualify for this card, you might get a lot more value from its sister card, the Navy Federal More Rewards American Express Card. Regardl...

- Ben Luthi, Investopedia

If your credit is just good and not excellent, you could benefit from the low APR and satisfactory rewards structure of this card.

- Robin Saks Frankel, Bankrate

One of the best rewards cards available for on-the-go cardholders who plan to carry a balance, the NFCU Go Rewards card offers a solid spending bonus on gas and restaurant purchases and a reasonably priced APR.

- Kelly Dilworth,


Interest Rates
Regular APR Interest Rate 14.24% ‐ 18% (Variable) (1.99% for the first 12 months)

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

Balance Transfer Interest Rate 14.24% ‐ 18% (Variable)

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

Cash Advance Interest Rate 16.24% ‐ 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 10000 points after spending $500

On purchases within the first 90 days

All Purchases 1 point per $1 spent
Restaurants 3 points per $1 spent
Gas 2 points per $1 spent
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty Yes
Purchase Protection Yes
Zero Liability Yes
No Foreign Transaction Fees Yes
Emergency Assistance No
Concierge Service Yes
Price Protection Yes
Fraud Protection Yes
Free Credit Scores Yes
Wireless Payments No
Virtual Cards No
Additional Benefits
  • ShopRunner membership
  • Road Assistance
  • Travel services medical assistance
  • Emergency Card Replacement
  • Emergency Cash Advance
  • Mastercard ID Theft Protection™
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments -
Terms & Conditions Official Terms & Conditions
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