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
- Rates Purchase & Balance Transfer Variable APR between 13.49% - 18.00% Terms & Conditions
- Introductory APR and duration
- Get a 0.99% intro APR on purchases for the first 6 months of account opening.
- Balance transfers and fees
- GO REWARDS credit cards earn 3 points for every $1 of eligible purchases made at restaurants, 2 points for every $1 of eligible purchases made for gas, and 1 point for every $1 of other eligible purchases. Eligible purchases are purchases for goods and services, minus returns and other credits. Eligible purchases do not include fees, interest charges, balance transfers, gambling, convenience checks, cash advances, or other cash-equivalents (e.g., money orders, gift cards, prepaid cards). Merchants are assigned codes by payment networks based on what they primarily sell. We rely on this information to identify restaurant and gas purchases. If the purchase is not identified as a gas or restaurant purchase, it will not receive additional points. For example, purchases at restaurants located within another establishment (e.g., hotel, casino, commissary, grocery store, event venue), and purchases for gas at superstores, supermarkets, and warehouse clubs may earn 1 point per $1 spent because they typically are not assigned codes identifying them as restaurant or gas purchases. For more information, view the Program Description for the GO REWARDS credit card. No balance transfer fees Purchase & Balance Transfer Variable APR between
- Cash advances and fees
- As of 10/28/2026, rates range from 13.49% APR to 18.00% APR, are based on creditworthiness, and will vary with the market based on the U.S. Prime Rate. 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. No cash advance fees
- Redemption options and restrictions
- Love to travel? Or want cash back? The GO REWARDS card gives you the flexibility to redeem your points as you like.
- Membership, location and eligibility
- Navy Federal Credit Union membership required.
- Other conditions
- This card is best for: Busy lifestyle Dining out Average to excellent credit Rewards: 3X points at restaurants 2X points on gas 1X points on everything else Trustpilot Learn more about this card for the GO REWARDS ®
Recorded from Navy Federal Credit Union’s public information. Rates and fees change, so the issuer’s current disclosures are authoritative.
