Last Updated: 02/02/2026
Navy Federal cashRewards Plus Credit Card
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Last Updated: 02/02/2026
SuperMoney User Recommendation Score +88
Strongly recommended8 total votes
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Highlights
Community Rating
Strongly recommended
Purchase APR (Variable APR)
14.15% - 18%(Verified 02/02/2026)
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Balance Transfer APR (Variable APR)
14.15% - 18%(Verified 02/02/2026)
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Credit Score Range
N/A
Annual Fee
$0
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Number of Reviews
Navy Federal cashRewards Plus Credit Card Review
This is a cashback credit card issued by Navy Federal Credit Union. If you're wondering whether Navy Federal cashRewards Plus Credit Card is the right card for you, read on.
Key Takeaways
- $250 cash back. You can earn $250 cashback when you spend $2,500 within 90 days of account opening, plus new cardholders can get a 1.99% intro APR for 12 months on balance transfers with your first 60 days of account opening.
- APRs: Navy Federal cashRewards Plus Credit Card has a variable regular purchase APR that ranges from 14.15% 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.
- $0 Balance transfer fee. This card does not charge a fee on balance transfers.
- 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 Auto Rental Collision Damage Waiver, identity theft protection, travel assistance, and fraud protection.
Pros & Cons of Navy Federal
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Navy Federal FAQ
Does Navy Federal 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.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | Up to 2 % cash back (Earn up to 1.5% for purchases when enrolled in direct deposit. Earn up to 2% cashback on all purchases for cashRewards Plus cardholders) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Navy Federal have a signup bonus?
Yes. $250 cash back. You can earn $250 cashback when you spend $2,500 within 90 days of account opening, plus new cardholders can get a 1.99% intro APR for 12 months on balance transfers with your first 60 days of account opening.
Does Navy Federal offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Navy Federal benefits?
Navy Federal cashRewards Plus Credit Card 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?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Navy Federal cashRewards Plus Credit Card has a variable purchase APR that ranges from 14.15% up to 18%. The card has a variable balance transfer APR that ranges from 14.15% up to 18%. It also has a variable cash advance APR of 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 Navy Federal have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 1.99% for a period of 12 months. Right now you could get a 1.99% intro APR for 12 months on balances transferred from non-Navy Federal credit card within 60 days of account opening. Expires on 6/30/26.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 14.15% - 18% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 1.99% (see terms and conditions) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro Fee Period | 12 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Navy Federal 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?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $20 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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 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?
The customer service number for Navy Federal is .
What is the support contact email for Navy Federal?
The support contact email for Navy Federal is info@navyfederal.org.
What is the login page for Navy Federal?
You can access the login page of Navy Federal here.
How do people rate the customer service and user experience of Navy Federal?
Overall, Navy Federal is strongly recommended based on community reviews that rate customer service and user experience.
Does Navy Federal cashRewards Plus Credit Card report your account activity to credit bureaus?
Yes, Navy Federal cashRewards Plus Credit Card reports to the following credit bureaus:
- 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 build your credit.
Does Navy Federal Credit Union perform a hard credit pull?
Yes, Navy Federal performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Navy Federal
- Visit the website of Navy Federal.
- 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.
Navy Federal cashRewards Plus Credit Card Disclosure: * Collision Damage Waiver: See terms and conditions: https://www.navyfederal.org/content/dam/nfculibs/pdfs/credit-debit-cards/nfcu_817cc.pdf https://www.navyfederal.org/content/dam/nfculibs/pdfs/credit-debit-cards/nfcu_573cash.pdf
View Navy Federal cashRewards Plus Credit Card's published terms & conditions
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Promotional Offers
Earn $250 cashback
You can earn $250 cashback when you spend $2,500 within 90 days of account opening, plus new cardholders can get a 1.99% intro APR for 12 months on balance transfers with your first 60 days of account opening.
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