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  Navigant Credit Union Everyday Rewards Card
Navigant Credit Union Everyday Rewards Card
in Credit Cards from Navigant Credit Union
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Navigant Credit Union Everyday Rewards Card

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in Credit Cards from Navigant Credit Union
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Highlights
Purchase APR  (Variable APR) 19.24% - 29.24%
(Verified 08/04/2023)
Balance Transfer APR  (Variable APR) 19.24% - 29.24%
(Verified 08/04/2023)
Credit Score Range 670 - 850
Annual Fee $0

Navigant Credit Union Everyday Rewards Card Review

This is a rewards card issued by Navigant Credit Union. If you're wondering whether Navigant Credit Union Everyday Card is the right card for you, read on.

Key Takeaways

  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 6 months , which is shorter than the average 0% APR period of 12 months.
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 6 months.
  • $150 bonus (15,000 points) after $500 in eligible net purchases are made within the first 90 days of account opening.
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 19.24% up to 29.24%.
  • No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
  • 3% Balance transfer fee. Navigant Credit Union Everyday Rewards Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
  • Good or better credit required. You will have low approval odds if your credit score is below 670.

Pros & Cons of Navigant Credit Union Everyday Card

The Good The Bad
  • 0% APR balance transfer intro rate on balance transfers for up to 6 months.
  • 0% APR on new purchases during the first 6 months. There is then a variable purchase APR that ranges from 19.24% up to 29.24%.
  • No annual fee.
  • Cardholders can earn rewards on their purchases.
  • Navigant Credit Union Everyday Rewards Card reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • You need good credit to qualify.
  • Charges a foreign transaction fee of 3%.
  • You don't earn rewards on every purchase.
  • Charges a 3% balance transfer fee

Navigant Credit Union Everyday Card FAQ

Does Navigant Credit Union Everyday Card have a cash back or rewards program?

Navigant Credit Union Everyday Card is a rewards card.

Navigant Credit Union Everyday Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus (Points/Miles) 15000

Does Navigant Credit Union Everyday Card have a signup bonus?

This card doesn't offer a cash signup bonus. However, it does include a 15000 points signup bonus that can be redeemed for travel, gifts, or other perks.

Does Navigant Credit Union Everyday Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the relevant APRs for Navigant Credit Union Everyday 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 higher than average regular APRs.

Navigant Credit Union Everyday Rewards Card has a variable purchase APR that ranges from 19.24% up to 29.24%. The card has a variable balance transfer APR that ranges from 19.24% up to 29.24%. It also has a variable cash advance APR of 29.99% .

Does Navigant Credit Union Everyday Card have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 6 months.

Navigant Credit Union Everyday Rewards Card Balance Transfers
Description
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 6 months
Balance Transfer APR 19.24% - 29.24%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%

Does Navigant Credit Union Everyday Card have an intro APR offer on new purchases?

Navigant Credit Union Everyday Rewards Card Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period 6 months

This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 6 months.

What are the fees for Navigant Credit Union Everyday Card?

The following fees apply:

Navigant Credit Union Everyday Card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $
Initial Program Fee $
Foreign Transaction Fee 3%
Returned Payment Fee Starting at $ up to $41
Late Payment Fee Starting at up to $41

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

Does Navigant Credit Union Everyday Card have a foreign transaction fee?

Navigant Credit Union Everyday Card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.

What is the customer service phone number for Navigant Credit Union Everyday Card?

The Navigant Credit Union Everyday Card customer service number is (401) 233-4700.

What is the support contact email for Navigant Credit Union Everyday Card?

The support contact email for Navigant Credit Union Everyday Card is info@navigantcu.org.

What is the Navigant Credit Union Everyday Card login page?

You can access the Navigant Credit Union Everyday Card login page here.

How do people rate the customer service and user experience of Navigant Credit Union Everyday Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does Navigant Credit Union Everyday Rewards Card report your account activity to credit bureaus?

Yes, Navigant Credit Union Everyday Rewards 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 Navigant Credit Union Everyday Card

  • Visit the Navigant Credit Union Everyday 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.

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.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 4:00pm
  • Tuesday 9:00am - 4:00pm
  • Wednesday 9:00am - 4:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 6:00pm
  • Saturday 9:00am - 12:00pm

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Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • 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
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 6 months
Cash Advance Fee Minimum $10
Cash Advance Fee (%) 5%
Minimum Cash Advance Fee ($) $10
Foreign Currency Transaction Fee 3%
No Annual Fee
Annual Fee $0
Minimum Interest Charge $1
No Interest Grace Period for Late Payment 24 days
Returned Payment Fee Up to $41
Late Fee Amount Up to $41
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 670 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Bonus Offer $150 bonus (15,000 points) after $500 in eligible net purchases are made within the first 90 days of account opening.
Signup Bonus (points) 15,000
Cash Advance APR (Variable APR) 29.99%
APR Type Variable APR
Purchase APR (Variable APR) 19.24% - 29.24%
(Verified 08/04/2023)
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 6 months
Balance Transfer APR (Variable APR) 19.24% - 29.24%
(Verified 08/04/2023)
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Card Type
  • Rewards
Card Network Visa

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