cashRewards Credit Card

in Personal Credit Cards

Unaffiliated Visit Site

cashRewards Credit Card


in Personal Credit Cards

SuperMoney Net Recommendation Score +100% Recommendation score measures the loyalty between a provider and a consumer. It's at +100% if everybody recommends the provider and at -100% when no one recommends.

Strongly recommended

1 user recommends
0 users are unsure
0 users don't recommend
Cast your vote
Cast your vote

Would you recommend cashRewards Credit Card to your friends?

Thanks for your vote!

Thanks for your vote!

You voted: May or may not recommend


Who is cashRewards Credit Card Designed For?

The cashRewards Credit Card is designed for people with good to excellent credit who are members of Navy Federal Credit Union and are looking for a credit card with no annual fee, no balance transfer fee, low rates, and an easy to use cash back rewards program. However, the Navy Federal Credit Union is only open to people who are affiliated with the Armed Forces, either directly or through a relative or household member.

The Navy Federal Credit Union was founded in 1933. When it started it had seven members, now it has over 6.7 million members and over 78 billion dollars in assets. Bauer Financial gives it five stars and it has an A rating with the BBB.

What are cashRewards Credit Card's Rates?

The rates for purchases and balance transfers range from 11.15% APR to 18.0% APR, depending on the creditworthiness of the member. Cash advance rates are 2% above a cardholder's purchases APR. There is an 18.0% APR penalty rate that is triggered when a cardholder is late on payments.

What Are the Fees for cashRewards Credit Card?

The cashRewards Credit Card has no annual fee. ATM cash advances are free when performed at a Navy Federal Branch or ATM. Otherwise, there's a $0.50 fee on domestic cash advances and $1 on international cash advances. Foreign transactions have no fee.

What Is cashRewards Credit Card's Rewards Program Like?

The cashRewards Credit Card has a straightforward cash back rewards program that gives 1.5% back on every transaction. There is no limit to the cash back you can earn, rewards never expire, and members can redeem their cash back as soon as they earn it. A cardholder who spends an average of $1,000 a month in purchases will earn $180 in cash back a year.

What about cashRewards Credit Card's Signup Bonus?

There is no signup bonus. 

Does cashRewards Credit Card Have Any Other Benefits?

The Navy Federal's cashRewards Credit Card gives cardholders Visa benefits including collision damage waiver on car rentals, travel and emergency assistance, and cell phone insurance coverage.

How Is cashRewards Credit Card Better Than Other Credit Cards?

The cashRewards card offers prime benefits and low rates without charging an annual fee. It also packs an easy to use cash back rewards program with a flat 1.5% reward rate. It is rare for a card to combine all these features. The rub is that only Navy Federal Credit Union members can qualify for this credit card and its membership is restricted to people affiliated with the armed forces and their relatives.

SUPERMONEY Disclosure: is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...


Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. 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
  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Grace Period for Late Payment (Days) 25
Annual Fee $0
Foreign Currency Transaction Fee 0%
No Annual Fee  
No Foreign Transaction Fee  
Late Payment Penalty $20
Returned Payment Fee $20
Minimum Age 18
Credit Score Range 700 - 850
850 300 700
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Military Status
  • Active Duty Military
  • Military Dependent
  • Veterans
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Customer Type Personal
Car Rental Insurance  
Fraud Liability  
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Cellular Telephone Protection
  • Fraud Liability
  • Identity Theft Protection
  • Travel Assistance
Every Purchase 1.5%
No Reward Expiration Period  
Rewards Categories
  • Every Purchase
Purchase APR (Variable APR) 11.15% - 18%
Cash Advance APR (Variable APR) 13.15% - 18%
Balance Computation average daily balance (including new transactions)
Penalty APR 18%
Balance Transfer APR (Variable APR) 11.15% - 18%



Would you recommend cashRewards Credit Card to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
Cancel my vote
(will require moderator approval)

Other Personal Credit Cards

Navy Federal Credit Union Personal Credit Cards



Purchase APR

Balance Transfer APR

Annual Fee

Credit Score Range

Navy Federal Go Rewards Credit Card
Purchase APR 10.49% - 18%
(Variable APR)
    0% 32% Variable APR
Balance Transfer APR 10.49% - 18%
(Variable APR)
    8% 29% Variable APR
Annual Fee $0 Annual Fee
Credit Score Range 640 - 850     300 850