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  Navy Federal Go Rewards Credit Card

Navy Federal Go Rewards Credit Card

in Personal Credit Cards from Navy Federal Credit Union

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Navy Federal Go Rewards Credit Card

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in Personal Credit Cards from Navy Federal Credit Union

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Highlights
Highlights
Balance Transfer APR  (Variable APR) 10.49% - 18%
Credit Score Range 640 - 850
Annual Fee $0
Purchase APR  (Variable APR) 10.49% - 18%
Rewards Rates
  • Every Purchase
  • Gas
  • Restaurants

Navy Federal Go Rewards Credit Card Review

Navy Federal Go Rewards Credit Card is a rewards credit card issued by Navy Federal Credit Union. If you're wondering whether Navy Federal Go Rewards Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key takeaways:

  • Generous reward rate. You will get a a rewards rate of 3 points per dollar spent.
  • Competitive APRs. Navy Federal Go Rewards Credit Card has a variable purchase APR that ranges from 10.49% up to 18%.
  • 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.
  • $0 Balance transfer fee. This card does not charge a fee on balance transfers.
  • $0 foreign transaction fee. This card does not charge foreign transaction fees, which makes a great credit card to carry with you when traveling abroad.
  • Gas rewards.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, travel accident insurance, travel assistance, and fraud protection.
  • Fair or better credit required. You stand a chance of qualifying if your credit score is not below 640.

Navy Federal Go Rewards Credit Card Pros and Cons:

The Good The Bad
  • Lower than average purchase APRs.
  • Has an introductory APR rate on balance transfers of 1.99%.
  • No balance transfer fee.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Travel accident and travel assistance insurance.
  • No foreign transaction fee.
  • Cardholders can earn rewards on every purchase.
  • Earn rewards on every purchase.
  • Navy Federal Go Rewards Credit Card reports to multiple credit bureaus.
  • Cardholders can earn rewards on their purchases.
  • Does not offer a signup bonus.

Is there a Navy Federal Go Rewards Credit Card cash back or rewards program?

Navy Federal Go Rewards Credit Card offers a rewards program to its customers.

Navy Federal Go Rewards Credit Card Rewards
Rewards rate (all purchases) 1%
Max rewards rate 3%
Annual rewards limit N/A
Signup Bonus ($) N/A

Does Navy Federal Go Rewards Credit Card have a signup bonus?

Navy Federal Go Rewards Credit Card doesn't offer a cash signup bonus.

Does Navy Federal Go Rewards Credit Card offer an annual loyalty bonus?

Navy Federal Go Rewards Credit Card doesn't offer a cash loyalty bonus.

What are the Navy Federal Go Rewards Credit Card benefits?

Navy Federal Go Rewards Credit Card provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Zero fraud liability
  • Travel Accident Insurance
  • Travel Assistance
  • ID Theft Protection
  • Reports to major credit bureaus

What are the relevant APRs for Navy Federal Go Rewards Credit Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Navy Federal Go Rewards Credit Card has lower than average purchase APRs.

Navy Federal Go Rewards Credit Card has a variable purchase APR that ranges from 10.49% up to 18%. The card has a variable balance transfer APR that ranges from 10.49% up to 18%. It also has a variable cash advance APR that ranges from 12.49% up to 20%. 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 Go Rewards Credit Card have an introductory APR offer on balance transfers?

Yes, Navy Federal Go Rewards Credit Card offers an introductory APR rate on balance transfers of 1.99% for a period of up to 12 months.

Navy Federal Go Rewards Credit Card Balance Transfers
Description
Balance Transfer APR 10.49% - 18%
Balance Transfer Introductory APR 1.99%
Balance Transfer Intro APR Period (months) 12
Balance Transfer Fee % 0%
Balance Transfer Fee % After Intro Period N/A
Balance Transfer Fee Intro Period (days) N/A
Balance Transfer Fee Minimum N/A

Does Navy Federal Go Rewards Credit Card have an introductory APR offer on new purchases?

This card does offer an introductory APR rate of 1.99% on qualified purchases for a period of up to 12 months.

Navy Federal Go Rewards Credit Card Purchase Intro Offer
Description
Introductory Rate 1.99%
Purchase Intro APR Period (months) 12

What are the fees for Navy Federal Go Rewards Credit Card?

The following fees apply to Navy Federal Go Rewards Credit Card:

Navy Federal Go Rewards Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 0%
Returned Payment Fee up to $20
Late Payment Fee up to $20

Does Navy Federal Go Rewards Credit Card have a foreign transaction fee?

Navy Federal Go Rewards 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 Navy Federal Go Rewards Credit Card report your account activity to credit bureaus?

Navy Federal Go Rewards 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 Navy Federal Go Rewards Credit Card

  • Visit the Navy Federal Go Rewards Credit 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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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...

Availability

  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

Gas (Points) 2
Every Purchase (Points) 1X points on everything else
Introductory Rate 1.99%
Purchase Intro APR Period (Variable APR) 12 months
Cash Advance Fee Minimum $0
Foreign Currency Transaction Fee 0%
No Annual Fee  
No Foreign Transaction Fee  
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Minimum Cash Advance Fee ($) $0 - $1
Returned Payment Fee Up to $20
Late Fee Amount Up to $20
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 640 - 850
Card Type
  • Gas
  • Rewards
Card Network Mastercard
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Fraud Liability  
Car Rental Insurance  
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Identity Theft Protection
  • Travel Accident Insurance
  • Travel Assistance
Rewards Rates
  • Every Purchase
  • Gas
  • Restaurants
Rewards Type Points
Cash Advance APR (Variable APR) 12.49% - 20%
Balance Computation average daily balance (including new transactions)
Penalty APR (Variable APR) 18%
Purchase APR (Variable APR) 10.49% - 18%
Balance Transfer Introductory APR (Variable APR) 1.99%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 10.49% - 18%
Balance Transfer Fee % 0%

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Credit Score Range 700 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 11.15% - 18%
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Credit Score Range 700 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 11.15% - 18%
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Balance Transfer APR 11.49% - 18%
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Credit Score Range 700 - 850     300 850
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Purchase APR 11.49% - 18%
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Rewards Categories
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Balance Transfer APR 7.49% - 18%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 700 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 7.49% - 18%
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Rewards Rates N/A Rewards Rates
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Balance Transfer APR 18% Variable APR
Credit Score Range 500 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 18% Variable APR
Rewards Categories
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