Navy Federal Credit Union Credit Card Reviews, Rules & Opinions

ByDoug Milnes, CFA
Reviewed byLee Huffman
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ByDoug Milnes, CFA
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Reviewed byLee Huffman
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Updated: June 12, 2024

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With 10 credit cards on offer, Navy Federal Credit Union provides alternatives for individuals and businesses alike. These include no-annual-fee cards and rewards cards, as well as a secured card option for people with poor credit. When it comes to its unsecured cards, you may find options even if you have average credit. Navy Federal Credit Union does not currently offer any student credit cards.

>>MORE: NAVY FEDERAL MEMBERSHIP REQUIREMENTS

Featured Credit Cards Offered by Navy Federal Credit Union

The 10 different Navy Federal Credit Union cards you can choose from include eight for individuals and two for businesses. Depending on the card you get, you might stand to earn cash back or rewards points. Some of these cards come with spend-based welcome bonuses. All Navy Federal Credit Union cards for individuals and businesses come with no foreign transaction fees.

  • Credit Card
    Category
    Avg. Reward Rate
    Annual Fee
    Credit Needed
  • Navy Federal Credit Union Platinum Card
    Navy Federal Credit Union Platinum Card
    Balance Transfer
    Fair–Excellent
  • GO REWARDS® Credit Card
    GO REWARDS® Credit Card
    Rewards
    1–3 points
    $0
    Fair–Excellent
  • GO REWARDS® Credit Card
    GO REWARDS® Credit Card
    Rewards
    1–3 points
    $0
    Fair–Excellent
  • Navy Federal Credit Union Visa Signature cashRewards Card
    Navy Federal Credit Union Visa Signature cashRewards Card
    Cash Back
    1.5%–1.75% Cash Back
    $0
    Fair–Excellent
  • Navy Federal Credit Union cashRewards World Mastercard®
    Navy Federal Credit Union cashRewards World Mastercard®
    Cash Back
    1.50% – 1.75% Cash Back
    $0
    Fair–Excellent
  • Navy Federal More Rewards American Express card
    Navy Federal More Rewards American Express card
    Rewards
    1–3 points
    $0
    Fair–Excellent
  • GO BIZ® Rewards Credit Card
    GO BIZ® Rewards Credit Card
    Rewards
    1x point
    $0
    Good–Excellent
  • Navy Federal Credit Union® nRewards® Secured Credit Card
    Navy Federal Credit Union® nRewards® Secured Credit Card
    Secured
    $0
    None–Poor
  • Navy Federal Credit Union Visa Signature Flagship Rewards card
    Navy Federal Credit Union Visa Signature Flagship Rewards card
    Travel Rewards
    2–3 points
    $49
    Good–Excellent

The Best Navy Federal Credit Union Credit Cards in 2024

MoneyGeek experts revisit our list of the best Navy Federal Credit Union credit cards each month. They look for changes to the existing cards on offer and check if any new cards have entered the picture. Then, they compare all available cards based on parameters such as rewards, welcome bonuses, fees, APRs and added benefits.

Navy Federal Credit Union Platinum Card

Balance Transfer Offer0.99% introductory APR for 12 months
Balance Transfer Fee$0
Annual Fee$0
Recommended CreditN/A
Navy Federal Credit Union Visa Signature cashRewards Card

Rewards RateEarn 1.5% cash back on general purchases.
APR14.90% - 18.00% variable
Annual Fee$0
Recommended Credit (580 – 740) Fair to Good
Navy Federal More Rewards American Express card

Rewards RateEarn 3X points at restaurants and on food delivery...
APR14.90% - 18.00% variable
Annual Fee$0
Recommended CreditFair–Excellent

Rules for Applying, Acceptance & Welcome Bonuses

You might benefit by looking at required credit scores, limitations on how many cards you may get and other related factors before applying for a Navy Federal Credit Union credit card.

What is the accepted credit score range for most cards?
How many cards can you own?
How many times can you apply?
How many times can you get approved?
How many times can you claim the welcome bonus?

Other Considerations About Navy Federal Credit Union

While checking Navy Federal Credit Union card benefits is the way to go before making a selection, you might also benefit by looking at how this card issuer rates overall across different parameters.

Feature
Description

Customer Service & Satisfaction

Although it is not officially ranked, according to the J.D. Power 2021 Credit Card Satisfaction Study, Navy Federal Credit Union topped the customer satisfaction index rating for mid-size issuers, scoring 866 out of 1,000. It ranked the highest in customer service among multichannel banks/credit unions and among credit card issuers in the 2021 Forrester Award.

With more than 8,000 customer reviews, Navy Federal Credit Union scores 4.7 out of 5 on Trustpilot. Most members have positive things to say about the level of customer service they’ve received.

You may contact a Navy Federal Credit Union representative over the phone, by visiting a branch, by using its website to send an online message, through regular mail or through its social media accounts.

Mobile Apps & Online Services

Navy Federal gives you the ability to manage your credit card account through its online banking platform as well as its apps for iOS and Android. Its app on the Google Play store scores 3.8 out of 5. It scores 4.9 out of 5 on the Apple App Store. These apps let you apply for new credit cards, activate cards, view account statements, make payments toward your credit card and more.

Security & Credit Monitoring Services

All Navy Federal Credit Union credit cards come with fraud monitoring, fraud notifications and a zero liability policy for unauthorized transactions. You also get the ability to freeze and unfreeze your cards with ease.

All Navy Federal Credit Union credit cards allow you to access your credit score for free.

Loyalty Programs & Other Issuer Perks

If you get a Navy Federal Credit Union card that comes with reward points, you get to redeem your points through Navy Federal’s online banking platform. You may redeem your points for cash, travel rewards, gift cards or merchandise.

Authorized Users

You may add up to four authorized users to your Navy Federal credit card account. This can be done online or over the phone. There is no minimum age requirement for authorized users.

Overall Opinion of Navy Federal & Their Credit Card Offerings

The different types of Navy Federal Credit Union cards are designed to meet specific needs, and you might benefit by getting one or more based on various factors.

    lowInterestAPR icon

    You need a low APR card.

    If you plan to maintain revolving balances in your account from one month to the next, you may benefit by getting the Navy Federal Credit Union Platinum Card, especially if you qualify for its lowest APR.

    noAnnualFee icon

    You want to earn rewards/cash back without paying annual fees.

    You may come across different Navy Federal Credit Union cards that let you earn cash back/reward points without having to pay any annual fees. Examples include the cashRewards Card, the Go Rewards Card, the More Rewards American Express Card and the nRewards Secured Card.

    rewards icon

    You wish to earn higher rewards on bonus categories.

    You might benefit by getting a Navy Federal Credit Union rewards card that offers higher reward rates on category-based spending if they match the categories in which you spend considerable amounts of money. For example, the Go Rewards Card offers 3x points per dollar at restaurants, 2x points on gas and 1x points on all other purchases. The Visa Signature Flagship Rewards Card, on the other hand, offers 3x points per dollar on travel purchases and 2x points on all other purchases.

    badCredit icon

    You want to build/rebuild your credit.

    If you have poor creditworthiness and wish to build or rebuild your credit, or if you’re a new credit card user, you may consider applying for the Navy Federal Credit Union® nRewards® Secured Credit Card. It requires a security deposit of at least $200 and comes with no annual fees.

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EXPERT OPINION

"While Navy Federal Credit Union offers many attractive credit cards, bank accounts and other products, it limits who can apply. You must be an active or retired member of the armed forces, a Department of Defense employee, or a family or household member. Navy Federal seeks to reward its members for their sacrifices by offering benefits that are not available to the general public."

- Lee Huffman, credit card expert at BaldThoughts.com

Still Not Sure About This Issuer? Consider These Options.

If you’re unsure about applying for a Navy Federal Credit Union credit card, consider taking a look at what options other leading card issuers have to offer. Alternatively, you may base your search on different types of cards such as cash back cards, 0% APR cards, student cards and secured cards.

Learn More About Credit Cards in General

About Doug Milnes, CFA


Doug Milnes, CFA headshot

Doug Milnes is a CFA charter holder with over 10 years of experience in corporate finance and the Head of Credit Cards at MoneyGeek. Formerly, he performed valuations for Duff and Phelps and financial planning and analysis for various companies. His analysis has been cited by U.S. News and World Report, The Hill, the Los Angeles Times, The New York Times and many other outlets.

Milnes holds a master’s degree in data science from Northwestern University. He geeks out on helping people feel on top of their credit card use, from managing debt to optimizing rewards.


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*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
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