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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
Annual Fee $0
Purchase APR  (Variable APR) 10.49% - 18%
Balance Transfer APR  (Variable APR) 10.49% - 18%
Credit Score Range 640 - 850

Navy Federal Go Rewards Credit Card Review

Navy Federal Go Rewards Credit Card is a rewards credit card issued by Navy Federal Credit Union. 

This card is designed for people with fair credit. The minimum credit score to apply is 640. 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.

Pros & Cons of Navy Federal Go Rewards Credit Card
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Multiple credit card perks.
  • Cardholders can earn rewards on their purchases.
  • Offers auto rental collision damage waiver.
  • Includes emergency support.
  • Extended warranty protection on purchases.
  • Travel Accident Insurance.
  • Travel Assistance.
  • No foreign transaction fee.
  • Earn rewards on every purchase.
  • Navy Federal Go Rewards Credit Card reports to multiple credit bureaus.
  • 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 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 Go Rewards Credit Card have an introductory APR offer?

    No, Navy Federal Go Rewards Credit Card does not come with an introductory APR offer for balance transfers. Navy Federal Go Rewards Credit Card does not offer an introductory rate on new purchases.
    Navy Federal Go Rewards Credit Card Balance Transfers
    Description
    Balance Transfer APR 10.49% - 18%
    Introductory Rate N/A
    Intro APR period (months) N/A
    Navy Federal Go Rewards Credit Card Rates & Terms
    Description
    Balance Computation average daily balance (including new transactions)
    Purchase APR 10.49% - 18%
    Credit Limit N/A
    Penalty APR 18%
    Cash Advance APR 12.49% - 18%
    Introductory Rate N/A
    Intro APR period (months) N/A

    What are the Navy Federal Go Rewards Credit Card fees?

    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%
    Balance Transfer Fee 0%
    Returned Payment Fee $20
    Late Payment Fee $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

    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

    Annual Fee $0
    Balance Transfer Fee % 0%
    Foreign Currency Transaction Fee 0%
    No Annual Fee  
    No Foreign Transaction Fee  
    No Interest Grace Period for Late Payment 25
    Late Fee Amount $20
    Returned Payment Fee $20
    Customer Type Personal
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    • Unemployed
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Military Status
    • Active Duty Military
    • Military Dependent
    • Veterans
    Minimum Age 18
    Supported Income Types
    • 1099 Misc. Income
    • Cash
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
    Card Network
    • Mastercard
    Card Type
    • Gas
    • Rewards
    Credit Bureau Reporting
    • Equifax
    • Experian
    • TransUnion
    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
    Fraud Liability  
    Bonus Rewards 3x
    Rewards Categories
    • Every Purchase
    • Gas
    • Restaurants
    Cash Advance APR (Variable APR) 12.49% - 18%
    Purchase APR (Variable APR) 10.49% - 18%
    Balance Computation average daily balance (including new transactions)
    Penalty APR 18%
    Balance Transfer APR (Variable APR) 10.49% - 18%

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    1 total votes
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    Annual Fee $0 Annual Fee
    Purchase APR 11.9% - 18%
    (Variable APR)
        0% 36% Variable APR
    Balance Transfer APR 11.9% - 18%
    (Variable APR)
        5% 29% Variable APR
    Credit Score Range 700 - 850     300 850