Last Updated: 04/18/2025
Navy Federal Credit Union Business Credit Card
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Last Updated: 04/18/2025
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Highlights
Purchase APR (Variable APR)
5.9% - 18%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
5.9% - 13.9%(Verified 06/21/2024)
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Annual Fee
$0
Credit Score Range
650 - 850
Navy Federal Credit Union Business Credit Card Review
This is a rewards card issued by Navy Federal Credit Union. If you're wondering whether Navy Federal Credit Union Business Credit Card is the right card for you, read on.
Key Takeaways
- APRs: Navy Federal Credit Union Business Credit Card has a variable regular purchase APR that ranges from 5.9% up to 18%.
- No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases , but you don't have to pay an annual fee for the privilege.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 1% every time you make a transaction outside the U.S.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Navy Federal business credit card
| The Good | The Bad |
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What are the relevant APRs?
This business credit card has a variable purchase APR that ranges from 5.9% up to 18% . The card has a variable balance transfer APR that ranges from 5.9% up to 13.9% .
It also has a variable cash advance APR that ranges from 7.9% up to 18% . Note that late payments are subject to an APR of 18% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.
Does it have an introductory APR offer?
No, this business card does not come with an introductory APR offer for balance transfers.
This business card does not offer an introductory rate on new purchases.| Purchase APR | 5.9% - 18% |
| Balance Transfer APR | 5.9% - 13.9% |
| Cash Advance APR | 7.9% - 18% |
| Penalty APR | 18% |
What fees does it charge?
The following fees apply to this business credit card:
- There is no annual fee.
- A late payment penalty of up to $20 .
- A returned payment fee of up to $20.
Does it charge a foreign transaction fee?
This business card charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this business card at home and apply for one that doesn't charge a foreign transaction fee.
| Fees | Amount |
| Annual Fee | $0 |
| Foreign Transaction Fee | 1% |
| Returned Payment Fee | up to $20 |
| Late Payment Fee | up to $20 |
Does it offer a cash back or rewards program?
Yes, Navy Federal business credit card offers a rewards program to its customers.
This business card offers rewards to small business owners that use the card to make purchases in the following bonus categories:
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Rewards Categories | Every Purchase | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Rewards Type | Points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Reward Rates | 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
- Every Purchase
Does it have a sign up bonus?
This business credit card doesn't offer a cash signup bonus.
Does it offer an annual loyalty bonus?
This business card doesn't offer a cash loyalty bonus.
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Message from Navy Federal business credit card
Hours of Operation
Sunday
Closed
Monday
7:00AM - 5:00PM
Tuesday
7:00AM - 5:00PM
Wednesday
7:00AM - 5:00PM
Thursday
7:00AM - 5:00PM
Friday
7:00AM - 5:00PM
Saturday
Closed