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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

Unaffiliated

Navy Federal Go Rewards Credit Card

Unaffiliated

in Personal Credit Cards from Navy Federal Credit Union

Net Recommendation Score +100

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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Highlights
Community Rating

Rating not yet determined  

Purchase APR  (Variable APR) 8.99% - 18%
Balance Transfer APR  (Variable APR) 8.99% - 18%
Credit Score Range 640 - 850
Annual Fee $0

Navy Federal Go Rewards Credit Card Review

This is a rewards credit card issued by Navy Federal Credit Union. If you're wondering whether Navy Federal credit card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Generous reward rate. You will get a rewards rate of up to 3 reward points per dollar spent.
  • Competitive APRs. Navy Federal Go Rewards Credit Card has a variable purchase APR that ranges from 8.99% 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.
  • 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 rental insurance, emergency support, extended warranty protection on purchases, identity theft protection, travel accident insurance, travel assistance, and fraud protection.
  • Fair or better credit required. You will have good approval odds if your credit score is above 640.
Pros & Cons of Navy Federal credit card
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.
  • Identity Theft Protection.
  • Travel accident and travel assistance insurance.
  • No foreign transaction fee.
  • Cardholders can earn rewards on purchases everywhere Navy Federal Go Rewards Credit Card is accepted.
  • Navy Federal Go Rewards Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
Navy Federal credit card FAQ

Does Navy Federal credit card have a cash back or rewards program?

Navy Federal credit card is a rewards card.

Navy Federal credit card Rewards
Minimum rewards rate 1x
Max rewards rate 3x
Annual rewards limit N/A

Does Navy Federal credit card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Navy Federal credit card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Navy Federal credit card benefits?

It provides the following benefits:

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

What are the relevant APRs for Navy Federal credit 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. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 8.99% up to 18%. The card has a variable balance transfer APR that ranges from 8.99% up to 18%. It also has a variable cash advance APR that ranges from 10.99% 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 credit card 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 up to 12 months.

Navy Federal Go Rewards Credit Card Balance Transfers
Description
Balance Transfer Introductory APR 1.99%
Balance Transfer Intro APR Period 12 months
Balance Transfer APR 8.99% - 18%
Balance Transfer Fee % 0%

Does Navy Federal credit card have an intro APR offer on new purchases?

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

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

What are the fees for Navy Federal credit card?

The following fees apply:

Navy Federal credit card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 0%
Returned Payment Fee up to $20
Late Payment Fee up to $20

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

Does Navy Federal credit card 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 customer service phone number for Navy Federal credit card?

The Navy Federal credit card customer service number is .

What is the support contact email for Navy Federal credit card?

The support contact email for Navy Federal credit card is info@navyfederal.org.

How do people rate the customer service and user experience of Navy Federal credit card?

Overall, Navy Federal credit card is strongly recommended based on community reviews that rate customer service and user experience.

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

Yes, 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 may help improve your credit.

How to apply for Navy Federal credit card

  • Visit the Navy Federal 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 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.

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

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
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
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
Cash Advance APR (Variable APR) 10.99% - 20%
Balance Computation average daily balance (including new transactions)
Penalty APR (Variable APR) 18%
Purchase APR (Variable APR) 8.99% - 18%
Balance Transfer Introductory APR (Variable APR) 1.99%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 8.99% - 18%
Balance Transfer Fee % 0%
Card Type
  • Gas
  • Rewards
Card Network Mastercard

Navy Federal Go Rewards Credit Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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