What is the average credit score needed to get approved for a Navy Federal Credit Union Visa Signature cashRewards Card?

The average credit score needed to get approved for Navy Federal Credit Union Visa Signature cashRewards Card is 670 to 850, which means you need a good to excellent credit score to be approved for this credit card.

Does the Navy Federal Credit Union Visa Signature cashRewards Card report to all three credit bureaus?

Yes, Navy Federal Credit Union Visa Signature cashRewards Card reports to all three credit bureaus.

Is the Navy Federal Credit Union Visa Signature cashRewards Card application process lengthy? Can you prequalify?

No, the Navy Federal Credit Union Visa Signature cashRewards Card application process is not lengthy. If you are a Navy Federal Credit Union member, you can find out online if you prequalify on the issuer’s <a href="https://www.navyfederal.org/loans-cards/credit-cards/cash-rewards.html" target="_blank">website</a> and get a decision in minutes.

What information is needed to apply for a Navy Federal Credit Union Visa Signature cashRewards Card?

To apply for the Navy Federal Credit Union Visa Signature cashRewards Card, you need to provide your personal details, including your name and address, Social Security number as well as your financial information including your source of income and how much you make.

Does the Navy Federal Credit Union Visa Signature cashRewards Card have good customer service or satisfaction?

Navy Federal Credit Union Visa Signature cashRewards Card has excellent customer service and cardholders have 24/7 access to customer support. Navy Federal also received the highest customer satisfaction score among all issuers in a J.D Power Customer Satisfaction Survey.

Does the Navy Federal Credit Union Visa Signature cashRewards Card have a mobile app or the option to pay or manage your account online?

The Navy Federal Credit Union Visa Signature cashRewards Card has a mobile app and an online portal that cardholders can use to make payments, view transactions and manage their accounts.

Does the Navy Federal Credit Union Visa Signature cashRewards Card raise credit limits automatically or charge for limit increases?

Navy Federal Credit Union Visa Signature cashRewards Card reviews credit limits periodically and you may qualify for an increase in your credit limit based on your credit history and other factors. Cardholders may also request a credit limit review to see if they qualify for increases.

Does the Navy Federal Visa cashRewards Card offer the option to freeze your credit/account or have other security features?

The Navy Federal Credit Union Visa Signature cashRewards Card comes with the option to freeze or unfreeze your account if your card is lost or stolen. You also have the option to set up notifications to get alerts in case suspicious activity is detected on your card. You will not be held liable for any fraudulent transactions on your card.

Does Navy Federal Credit Union offer other credit cards besides the Navy Federal Visa cashRewards Card?

Yes, Navy Federal Credit Union offers other credit cards besides the Navy Federal Visa cashRewards Card, such as the Navy Federal Mastercard cashRewards Card and the Navy Federal More Rewards American Express card.

Navy Federal Credit Union Visa Signature cashRewards Card Review

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

Navy Federal Credit Union Visa Signature cashRewards Card
A great no annual fee cash back card for average to excellent credit
- 1.5%–1.75% Cash BackRewards Rate
- 14.65% – 18.00% VariableAPR
- $0Annual Fee
- Fair–ExcellentRecommended Credit
We recommend the Navy Federal Credit Union Visa Signature cashRewards Card to people who don’t have perfect credit and want to earn cash back without paying annual fees. If you’ve set up a direct deposit with Navy Federal, you get 1.75% cash back on all purchases. Otherwise, you earn 1.5% cash back on all purchases.
As part of the card’s welcome offer, you stand to earn $250 bonus cash back by spending $3,000 on purchases within the first 90 days. This card is ideal to use outside of the U.S. as it comes with no foreign transaction fees. The offer expires on Oct. 03, 2023.
This card does not charge balance transfer fees or cash advance fees. It offers complimentary collision damage waiver.
Pros
No annual fees
No foreign transaction fees
Relatively low standard APR
No caps on rewards
No minimum required to redeem your points

Cons
Only those with a military background can apply
You need to have a direct deposit at Navy Federal to qualify for the 1.75% rewards rate
1.75% cash back on all purchases if you enroll in direct deposit with Navy Federal
1.5% cash back on all purchases if you don't enroll in direct deposit with Navy Federal
Earn a $100 bonus if you spend $1,000 within 90 days. The offer expires on Feb 28, 2023.
Auto rental collision damage waiver
No annual fees
No foreign transaction fees
Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.
Terms, rates and fees apply
Compare this credit card with other top-rated credit cards at CardRatings.com.

WHY TRUST OUR REVIEWS

MoneyGeek uses a comprehensive methodology and review process when rating credit cards. We collect credit card information and evaluate potential cardholder’s spend profiles. Our process also factors in the card’s value and ranks for different categories. MoneyGeek even obtains data from the Consumer Finance Protection Bureau’s database, standardizes data points for easy comparison, determines the long-term value and carries out regular re-ranking.

The Navy Federal Credit Union Visa Signature cashRewards Card benefits include a straightforward rewards structure with no earning caps or minimums when redeeming your rewards. The 1.75% rewards rate on all purchases can help you rack up reward points easily without having to pay any annual fees. This card also has no foreign transaction fees and a relatively low APR compared to competing cards. Plus, with no annual fee, this can be a great card for military members.

>>MORE: NAVY FEDERAL MEMBERSHIP REQUIREMENTS

Navy Federal Credit Union Visa Signature cashRewards Card Overview

The Navy Federal Credit Union Visa Signature cashRewards Card does not have much in the way of bonus perks, but the straightforward rewards programs and low fees make it a competitive option.

Quick Take

1.75% cash back on all purchases if you enroll in direct deposit with Navy Federal
1.5% cash back on all purchases if you don't enroll in direct deposit with Navy Federal
Earn a $250 bonus if you spend $3,000 within 90 days. The offer expires on Oct. 03, 2023.
Auto rental collision damage waiver
No annual fees
No foreign transaction fees

Important Card Details

Compared to other cash back cards in the same category, the Navy Federal Credit Union Visa Signature cashRewards Card has relatively low fees and is a good option if you want a low-cost cash back card.

Regular APR
The standard APR on the Navy Federal Visa cashRewards Card is 14.65% – 18.00% variable. This card could be useful for holding balances if you want to save on interest charges since the regular APR is lower than the rate offered by most competitor cards.
Annual Fees and Other Fees
This card has no annual fees and also does not charge any foreign transaction fees. You will also not be charged any cash advance fees when you get cash advances from a Navy Federal branch or ATM.
Penalty Fees
For late or returned payments, cardholders will incur a fee of up to $20 for late payments and $20 for returned payments.
Cash Back Rewards Rate
The Navy Federal Credit Union Visa Signature cashRewards Card benefits include a cash back rewards rate of 1.75% for all purchases if you have a direct deposit account at a Navy Federal Bank. If you don’t have a direct deposit account, you will earn rewards at a flat rate of 1.5%.

Additional Benefits

Beyond its easy-to-follow rewards structure, the Navy Federal Credit Union Visa Signature cashRewards Card offers other features that you might find beneficial.

How the Navy Federal Credit Union Visa Signature cashRewards Card Compares To Other Cards

The Navy Federal Credit Union Visa Signature cashRewards Card stands out for having low fees compared to other cards in the same category. However, in terms of rewards, there are cash back cards that offer more generous rewards and a wider range of perks, such as the Citi Custom Cash card.

How the Navy Federal Credit Union Visa Signature cashRewards Card Compares

Navy Federal Credit Union Visa Signature cashRewards Card

Annual Fee: $0
Standard APR: 14.65% – 18.00% variable
Foreign Transaction Fee: $0
Rewards Rate: 1.5%-1.75% cash back for all eligible purchases
Welcome Bonus: Earn $250 bonus cash back when you spend $3,000 within 90 days of account opening.
Mini Verdict: Best if you are in the military and want a flat rate rewards card with low fees

Citi Custom Cash Card

Annual Fee: $0
Standard APR: 18.99% – 28.99% variable
Foreign Transaction Fee: 3%
Rewards Rate: 5% cash back per dollar spent in your top spending category up to $500 and 1% on all other eligible purchases
Welcome Bonus: Earn $200 bonus cash back if you spend $1500 on purchases in the first 6 months of account opening.
Mini Verdict: Best if you want a flexible rewards card with generous cash back rates for specific categories such as dining or travel

Frequently Asked Questions

*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.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
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MoneyGeek’s Take

Navy Federal Credit Union Visa Signature cashRewards Card Review

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>>MORE: NAVY FEDERAL MEMBERSHIP REQUIREMENTS