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  cashRewards Credit Card

cashRewards Credit Card

in Personal Credit Cards from Navy Federal Credit Union

Unaffiliated

cashRewards Credit Card

Unaffiliated

in Personal Credit Cards from Navy Federal Credit Union

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Highlights
Highlights
Community Rating Strongly recommended
Annual Fee $0
Purchase APR  (Variable APR) 11.9% - 18%
Balance Transfer APR  (Variable APR) 11.9% - 18%
Credit Score Range 700 - 850

cashRewards Credit Card Review

cashRewards Credit Card is a cashback credit card issued by Navy Federal Credit Union. 

This card is designed for people with good credit. The minimum credit score to apply is 700. If you're wondering whether cashRewards Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Pros & Cons of cashRewards Credit Card
Pros Cons
  • Start redeeming rewards as soon as you earn them
  • No annual fee
  • No foreign transaction fee
  • No rewards limit or expiration
  • Not available to the general public. You must have current or past affiliation with the Armed Forces to be approved.
  • No cash back categories. Customers cannot boost their cash back earnings with any specific purchases.
  • Is there a cashRewards Credit Card cash back or rewards program?

    cashRewards Credit Card is a cashback card. This means you earn a percentage of your purchase as a cash reward. With cashRewards Credit Card you receive 1.5% cash back on every purchase. For example, if you buy a $1,000 laptop, you will receive $15 back in cash.

    cashRewards Credit Card Rewards
    Rewards rate (all purchases) 1.5%
    Max rewards rate N/A
    Annual rewards limit N/A
    Signup Bonus ($) $250
    Signup Bonus Spend Requirement $2500

    Does cashRewards Credit Card have a signup bonus?

    Yes, cashRewards Credit Card offers card users a signup bonus worth up to $250 after spending $2500.

    Does cashRewards Credit Card offer an annual loyalty bonus?

    cashRewards Credit Card doesn't offer a cash loyalty bonus.

    What are the cashRewards Credit Card benefits?

    cashRewards Credit Card provides the following benefits:

    • Free Credit Score
    • Auto Rental Collision Damage Waiver
    • Fraud Liability
    • Cellular Telephone Protection
    • Travel Assistance
    • ID Theft Protection
    • Reports to major credit bureaus

    What are the relevant APRs for cashRewards Credit Card?

    cashRewards Credit Card has a variable purchase APR that ranges from 11.9% up to 18%. The card has a variable balance transfer APR that ranges from 11.9% up to 18%.

    It also has a variable cash advance APR that ranges from 13.9% up to 20.9%. 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 cashRewards Credit Card have an introductory APR offer?

    Yes, cashRewards Credit Card offers an introductory APR rate on balance transfers of 1.99% for a period of 12 months.

    cashRewards Credit Card does not offer an introductory rate on new purchases.
    cashRewards Credit Card Rates & Terms
    Purchase APR 11.9% - 18%
    Balance Transfer APR 11.9% - 18%
    Cash Advance APR 13.9% - 20.9%
    Penalty APR 18%

    What are the cashRewards Credit Card fees?

    The following fees apply to cashRewards Credit Card:

    cashRewards Credit Card Fees
    Fees Amount
    Annual Fee $0
    Foreign Transaction Fee 0%
    Balance Transfer Fee 0%
    Minimum Balance Transfer Fee $0
    Returned Payment Fee up to $20
    Late Payment Fee up to $20

    Does cashRewards Credit Card have a foreign transaction fee?

    cashRewards Credit Card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

    Does cashRewards Credit Card report your account activity to credit bureaus?

    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 can help improve your credit score.

    How to apply for cashRewards Credit Card

    • Visit the Navy Federal Credit Union website.
    • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
    • Check the information is accurate and submit your application.
    • If you're denied click here to find out why your application may have been rejected and what you can do about it.
    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...

    Availability

    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

    No Interest Grace Period for Late Payment 25
    Minimum Interest Charge $0
    Annual Fee $0
    Paper Statement Fee $0
    Balance Transfer Fee % 0%
    Balance Transfer Fee Minimum $0
    Cash Advance Fee ($) $0
    Cash Advance Fee Minimum $0
    Foreign Currency Transaction Fee 0%
    No Annual Fee  
    No Foreign Transaction Fee  
    Returned Payment Fee Up to $20
    Late Fee Amount Up to $20
    Cash Advance Fee (%) 0% - 0.5%
    Minimum Age 18
    Credit Score Range 700 - 850
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • 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  
    Free FICO Score  
    Credit Card Benefits
    • Auto Rental Collision Damage Waiver
    • Cellular Telephone Protection
    • Fraud Liability
    • Free Credit Score
    • Identity Theft Protection
    • Travel Assistance
    Rewards Categories
    • Every Purchase
    Bonus Rewards Earn $250 bonus cash back when you spend $2,500 within 90 days of account opening.
    Every Purchase 1.5% cash back on purchases
    No Reward Expiration Period  
    Signup Bonus $250
    Purchase APR (Variable APR) 11.9% - 18%
    Cash Advance APR (Variable APR) 13.9% - 20.9%
    Balance Computation average daily balance (including new transactions)
    Penalty APR 18%
    Balance Transfer APR (Variable APR) 11.9% - 18%
    Introductory Rate 1.99%
    Intro APR period 12

    cashRewards Credit Card Community Reviews

     
     

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    Other Personal Credit Cards

    Navy Federal Credit Union Personal Credit Cards

    Product

    Reviews

    Annual Fee

    Purchase APR

    Balance Transfer APR

    Credit Score Range

    Navy Federal Go Rewards Credit Card
    Annual Fee $0 Annual Fee
    Purchase APR 10.49% - 18%
    (Variable APR)
        0% 36% Variable APR
    Balance Transfer APR 10.49% - 18%
    (Variable APR)
        0% 29% Variable APR
    Credit Score Range 640 - 850     300 850