Navy Federal Credit Union cashRewards Credit Card
Navy Federal · Visa
4.2/5 RatingFair to Good (600+)
Key Details
- Annual Fee
- None
- Regular APR
- 13.24%–18%
- Intro APR
- 0% intro APR for 12 months on purchases and balance transfers
- Foreign Transaction Fee
- None
- Balance Transfer Fee
- None for first 12 months, then $0.50 or 3%
- Rewards Rate
- 1%–1.75% cash back
Sign-Up Bonus
None
Rewards Structure
- All Purchases1.5%
- All Purchases (with qualifying checking)1.75%
Pros
- ✓Up to 1.75% with qualifying checking account
- ✓No annual fee or foreign transaction fees
- ✓Lower APR range than most cards
- ✓No balance transfer fee for first year
Cons
- ✗Must be military-affiliated to join Navy Federal
- ✗No sign-up bonus
- ✗1.5% base rate is average
Who Should Get This Card?
Military members and families wanting a solid everyday card with lower-than-average APR and no fees.