Is Navy Federal cashRewards Plus Credit Card the right fit for you?
Last Updated: 02/02/2026
Navy Federal cashRewards Plus Credit Card
Claimed
Last Updated: 02/02/2026
SuperMoney User Recommendation Score +88
Strongly recommended8 total votes
Cast Your Vote
Compare All Credit Cards
Filter & compare all your options in one place.
Highlights
Community Rating
Strongly recommended
Purchase APR (Variable APR)
14.15% - 18%(Verified 02/02/2026)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
14.15% - 18%(Verified 02/02/2026)
Disclaimer popup with additional information
Credit Score Range
N/A
Annual Fee
$0
Disclaimer popup with additional information
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
| The Good | The Bad |
|
|
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? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual 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 support contact email for Navy Federal?
The support contact email for Navy Federal is info@navyfederal.org.
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
SuperMoney Disclosure: SuperMoney.com 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...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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.
Visit SiteHours 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
Other Services by Navy Federal Credit Union
Business Checking Accounts
Rating not yet determined (1 Review)
Checking Accounts
16
17 Reviews
Savings Accounts
5
5 Reviews
Business Loans
Rating not yet determined (1 Review)
Business Credit Cards
Rating not yet determined (2 Reviews)
Auto Loans
Rating not yet determined (4 Reviews)
Personal Loans
Rating not yet determined (1 Review)
Private Student Loans
Rating not yet determined (1 Review)
Auto Loan Refinancing
Be the first to rate
Other Credit Cards from Navy Federal Credit Union
Sponsored
Purchase APR
13.49% - 18%
Disclaimer popup with additional information
Balance Transfer APR
13.49% - 18%
Disclaimer popup with additional information
Credit Score Range
N/A
Annual Fee
$0
Sponsored
Rating not yet determined
Purchase APR
14.15% - 18.00%
Disclaimer popup with additional information
Balance Transfer APR
14.15% - 18.00%
Disclaimer popup with additional information
Credit Score Range
N/A
Annual Fee
$0
Sponsored
Navy Federal Platinum Credit Card
Sponsored
Rating not yet determined
Purchase APR
10.24% - 18.00%
Disclaimer popup with additional information
Balance Transfer APR
10.24% - 18.00%
Disclaimer popup with additional information
Credit Score Range
N/A
Annual Fee
$0
Sponsored
Rating not yet determined
Purchase APR
14.74% - 18.00%
Disclaimer popup with additional information
Balance Transfer APR
14.74% - 18.00%
Disclaimer popup with additional information
Credit Score Range
N/A
Annual Fee
$49
SuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +88, or 4.8 on a 5-point rating scale.
+88
-1000+100
No one recommends
Everyone recommends
Navy Federal cashRewards Plus Credit Card Community Reviews
Would you recommend Navy Federal cashRewards Plus Credit Card to your friends?
RD
Reigni D.
Apr 27, 2022
May or may not recommend
If you dont like your credit card going up by a $1000 unexpectedly I wouldn't recommend this card. On the flip side this card does have many perks including real cash rewards, you can also pay off your credit in app too.
AN
Amanda N.
Apr 1, 2022
May or may not recommend
Navy federal card is the best rewards card. They have the best customer service that Ive ever had, The reps are always helpful so that's a plus. One of my fave cards and banks to use.
VH
Victoria H.
Aug 20, 2021
May or may not recommend
In my experience with Navy Federal they were always quick to help fix any issue, and answer all questions. I have had a few issues where I had to replace a missing card and they helped me freeze the card quickly before any funds went missing. When payment time came around they made it easy and stress free. I have always had bright and happy service from my Navy Federal ...Show More
WM
William M.
Jul 20, 2021
May or may not recommend
I love this credit card for 3 main reasons:
1) One of my favorite features is that the card does not have an annual fee so you can use it as much or as little as you need without having to worry about if the cash rewards are more that the card's fees each year.
2) The card also has no foreign transaction fees so its great if you travel or ...Show More
MP
Myra P.
Jul 16, 2021
May or may not recommend
We mostly use this and this has been my card for three years since I got in the US. They have built my credit score pretty well. I had a lot of fraudulent occurrences and thankfully they have managed them quickly. Apps are user-friendly and traveling consents are easy on their app. Cause some banks need verification by calling or text message but how would they call if they are ...Show More
Nikki B.
Jul 15, 2021
May or may not recommend
It's simple to use and works well with the mobile app. You can instantly pay off your credit card with no kinds of delay. It has brought me out of my irrational fear of using credit cards because of how easy it was to use and pay off.
MF
Molly F.
Jul 9, 2021
May or may not recommend
I helped my immediate family member sign up for this card because they bank with Navy Federal. It has proven to be a great credit card with extremely competitive APR. Navy Federal has great customer service, and we like that you can track your card balance and payments via both the website and the app. Overall, this card does what it's supposed to, and it's really convenient, especially if you ...Show More
Chloe E.
Oct 16, 2018
May or may not recommend
great interest rate and even better customer service. never had a problem with communicating with them, even when i was living in europe. would recommend.
Showing 8 of 8 reviews
