The advertised credit profile is general guidance, not a score cutoff or an approval prediction. Navy Federal Credit Union makes every lending decision.
- Annual fee and first-year pricing
- No annual fee
- Purchase APR
- And, if you transfer a balance within your first 60 days, you could save with a 1.99% intro APR for 12 months from account opening. After that, a variable APR currently between 14.15% and 18% applies. Plus, no transfer fees. See offer details . Rates Purchase & Balance Transfer Variable APR between 14.15% to 18.00% Terms & Conditions
- Introductory APR and duration
- And, if you transfer a balance within your first 60 days, you could save with a 1.99% intro APR for 12 months from account opening. After that, a variable APR currently between 14.15% and 18% applies. Plus, no transfer fees. See offer details .
- Balance transfers and fees
- As of 10/28/2026, the Purchase, Balance Transfer, and Convenience Check APRs range from 14.15% APR to 18.00% APR, are based on creditworthiness and product type. These APRs vary with the market based on the U.S. Prime Rate. The Cash Advance APR is 18%. The Penalty APR is 18% and may apply to an account that is over 60 days past due. ATM cash advance fees: None if performed at a Navy Federal branch or ATM. Otherwise, $0.50 per domestic transaction or $1.00 per foreign transaction. cash Rewards Plus credit cards earn 2% cash back per dollar spent on eligible purchases. cash Rewards credit cards earn 1.5% cash back per dollar spent on eligible purchases. Eligible purchases include purchases of goods and services, minus returns and credits, and exclude fees, interest, balance transfers, convenience checks, and cash advances, including cash-equivalent transactions such as gambling, purchases from securities brokers and dealers (including prediction markets), money orders, gift cards, prepaid cards, and person-to-person money transfers through third-party services. For more information, view the Program Descriptions for the cash Rewards and cash Rewards Plus cards. Offer valid for cardholders issued a new cash Rewards or cash Rewards Plus credit card account. To be eligible for the $250 cash back, you must make $2,500 or more in eligible purchases within 90 days of account opening. Eligible purchases include purchases of goods and services, minus returns and credits, and exclude fees, interest, balance transfers, gambling, convenience checks, cash advances, and cash equivalent transactions (e.g., money orders, gift cards, prepaid cards, person to person money transfers) . Please allow up to 8 weeks after the 90-day period for the $250 to post to your rewards balance. Account must be open and not in default at the time the $250 is scheduled to post to your rewards balance. Limit of one promotional offer at account opening. Offer valid for accounts applied for between 07/01/2026 and 01/03/2027. Navy Federal reserves the right to change or end this offer at any time without notice. No balance transfer fees
- Cash advances and fees
- As of 10/28/2026, the Purchase, Balance Transfer, and Convenience Check APRs range from 14.15% APR to 18.00% APR, are based on creditworthiness and product type. These APRs vary with the market based on the U.S. Prime Rate. The Cash Advance APR is 18%. The Penalty APR is 18% and may apply to an account that is over 60 days past due. ATM cash advance fees: None if performed at a Navy Federal branch or ATM. Otherwise, $0.50 per domestic transaction or $1.00 per foreign transaction. As of 10/28/2026, the Purchase, Balance Transfer, and Convenience Check APR range from 14.15% APR to 18.00% APR, are based on creditworthiness and product type. This APR varies with the market based on the U.S. Prime Rate. The Cash Advance APR is 18%. The Penalty APR is 18% and may apply to an account that is over 60 days past due. ATM cash advance fees: None if performed at a Navy Federal branch or ATM. Otherwise, $0.50 per domestic transaction or $1.00 per foreign transaction. Balance transfer offer: Application must be submitted by 01/03/2027. Offer valid for balances transferred from non-Navy Federal credit cards within 60 days of account opening. Balance transfers are not eligible to earn rewards. Maximum total transfer amount is limited to your available credit line. Balance transfers using convenience checks are excluded from this offer. If you transfer a balance with this offer, interest will be charged on purchases made with your credit card unless your purchases have a 0% APR or you pay the entire balance, including any transferred balances, in full each month by the payment due date. Limit of one promotional offer at account opening. Navy Federal reserves the right to change or end this offer at any time without notice. No cash advance fees
- Penalty APR
- As of 10/28/2026, the Purchase, Balance Transfer, and Convenience Check APRs range from 14.15% APR to 18.00% APR, are based on creditworthiness and product type. These APRs vary with the market based on the U.S. Prime Rate. The Cash Advance APR is 18%. The Penalty APR is 18% and may apply to an account that is over 60 days past due. ATM cash advance fees: None if performed at a Navy Federal branch or ATM. Otherwise, $0.50 per domestic transaction or $1.00 per foreign transaction. As of 10/28/2026, the Purchase, Balance Transfer, and Convenience Check APR range from 14.15% APR to 18.00% APR, are based on creditworthiness and product type. This APR varies with the market based on the U.S. Prime Rate. The Cash Advance APR is 18%. The Penalty APR is 18% and may apply to an account that is over 60 days past due. ATM cash advance fees: None if performed at a Navy Federal branch or ATM. Otherwise, $0.50 per domestic transaction or $1.00 per foreign transaction. Balance transfer offer: Application must be submitted by 01/03/2027. Offer valid for balances transferred from non-Navy Federal credit cards within 60 days of account opening. Balance transfers are not eligible to earn rewards. Maximum total transfer amount is limited to your available credit line. Balance transfers using convenience checks are excluded from this offer. If you transfer a balance with this offer, interest will be charged on purchases made with your credit card unless your purchases have a 0% APR or you pay the entire balance, including any transferred balances, in full each month by the payment due date. Limit of one promotional offer at account opening. Navy Federal reserves the right to change or end this offer at any time without notice.
- Redemption options and restrictions
- As long as your account is open, rewards won't expire. Continue to spend and accrue rewards and redeem them at your convenience.
- Membership, location and eligibility
- Navy Federal Credit Union membership required.
- Other conditions
- This card is best for: Getting cash back Everyday spending Average to excellent credit Rewards: Unlimited 2% cash back on all purchases with cash Rewards Plus Unlimited 1.5% cash back on all purchases with cash Rewards You’ll get a cash Rewards card with 1.5% cash back if your credit limit is under $5,000, or a cash Rewards Plus card with 2% cash back if it’s $5,000 or more. Trustpilot SPECIAL OFFER Spend $2,500 within 90 days of account opening and you could get rewarded with $250 bonus cash. Plus, get a low intro APR when you transfer a balance within 60 days of account opening. See cash Rewards offer . Learn more about this card for the cash Rewards & cash Rewards Plus
Recorded from Navy Federal Credit Union’s public information. Rates and fees change, so the issuer’s current disclosures are authoritative.
