
Navy Federal cashRewards Credit Card
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Community Rating | Strongly recommended |
Purchase APR (Variable APR) |
11.90% - 18% (Verified 10/20/2022) |
Balance Transfer APR (Variable APR) |
11.90% - 18% (Verified 10/20/2022) |
Credit Score Range | 700 - 850 |
Annual Fee | $0 |
Number of Reviews | 8 |
Navy Federal cashRewards Credit Card Review
This is a cashback credit card issued by Navy Federal Credit Union. If you're wondering whether Navy Federal cashRewards Credit Card is the right card for you, read on.
Key Takeaways
- Open a cashRewards card and earn $200 bonus cash back when you spend $2,000 within 90 days of account opening.
- Competitive APRs. Navy Federal cashRewards Credit Card has a variable purchase APR that ranges from 11.90% up to 18%.
- No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, identity theft protection, travel assistance, and fraud protection.
- Good or better credit required. You will have low approval odds if your credit score is below 700.
Pros & Cons of Navy Federal cashRewards Credit Card
The Good | The Bad |
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Navy Federal cashRewards Credit Card FAQ
Does Navy Federal cashRewards Credit Card have a cash back or rewards program?
This is a cashback card. This means you earn a percentage of your purchases as cash back rewards. You will receive 1.5% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $15 back in cash.
Minimum rewards rate | 1.5x |
Max rewards rate | N/A |
Annual rewards limit | N/A |
Signup Bonus ($) | $200 |
Signup Bonus Spend Requirement | $2000 |
Signup Bonus Spend Period (months) | 3 months |
Does Navy Federal cashRewards Credit Card have a signup bonus?
Yes, it offers card users a signup bonus worth up to $200 after spending $2000.
Does Navy Federal cashRewards Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Navy Federal cashRewards Credit Card benefits?
It provides the following benefits:
- Free Credit Score
- Auto Rental Collision Damage Waiver
- Zero fraud liability
- Cell Phone Protection
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Navy Federal cashRewards Credit Card?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.Navy Federal cashRewards Credit Card has a variable purchase APR that ranges from 11.90% up to 18%. The card has a variable balance transfer APR that ranges from 11.90% up to 18%. It also has a variable cash advance APR that ranges from 11.90% up to 20%. 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 Navy Federal cashRewards Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Navy Federal cashRewards Credit Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Navy Federal cashRewards Credit Card?
The following fees apply:
Fees | Amount |
---|---|
Annual Fee | $0 |
Foreign Transaction Fee | 0% |
Returned Payment Fee | up to $20 |
Late Payment Fee | up to $20 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
Does Navy Federal cashRewards Credit Card have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for Navy Federal cashRewards Credit Card?
The Navy Federal cashRewards Credit Card customer service number is (888) 842-6328.
What is the support contact email for Navy Federal cashRewards Credit Card?
The support contact email for Navy Federal cashRewards Credit Card is info@navyfederal.org.
What is the Navy Federal cashRewards Credit Card login page?
You can access the Navy Federal cashRewards Credit Card login page here.
How do people rate the customer service and user experience of Navy Federal cashRewards Credit Card?
Overall, Navy Federal cashRewards Credit Card is strongly recommended based on community reviews that rate customer service and user experience.
Does Navy Federal cashRewards Credit Card report your account activity to credit bureaus?
Yes, Navy Federal cashRewards Credit Card reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.
How to apply for Navy Federal cashRewards Credit Card
- Visit the Navy Federal cashRewards Credit Card website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Contact
- Headquarters
-
820 Follin Ln SE
Vienna, VA 22180 USA - (888) 842-6328
- Visit Site
- Email Support
Other Services by Navy Federal Credit Union
Availability
- Alaska
- Alabama
- Arkansas
- Arizona
- California
- Colorado
- Connecticut
- Washington, DC
- Delaware
- Florida
- Georgia
- Hawaii
- Iowa
- Idaho
- Illinois
- Indiana
- Kansas
- Kentucky
- Louisiana
- Massachusetts
- Maryland
- Maine
- Michigan
- Minnesota
- Missouri
- Mississippi
- Montana
- North Carolina
- North Dakota
- Nebraska
- New Hampshire
- New Jersey
- New Mexico
- Nevada
- New York
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Virginia
- Vermont
- Washington
- Wisconsin
- West Virginia
- Wyoming
Feature Breakdown
Cash Advance Fee Minimum | $0 |
Minimum Cash Advance Fee ($) | $0 |
Foreign Currency Transaction Fee | 0% |
No Annual Fee | |
No Foreign Transaction Fee | |
Annual Fee | $0 |
Minimum Interest Charge | $0 |
No Interest Grace Period for Late Payment | 25 days |
Returned Payment Fee | Up to $20 |
Late Fee Amount | Up to $20 |
Navy Federal cashRewards Credit Card Community Reviews
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