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Best Navy Federal Credit Union Cards of December 2024

Updated: Nov 18, 2024
NerdWallet
Written by
Kenley Young
Edited by
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Written by
Kenley Young
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Fact Checked
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Many or all of the products on this page are from partners who compensate us when you click to or take an action on their website, but this does not influence our evaluations or ratings. Our opinions are our own.

With over 8 million members, Navy Federal is the nation's largest credit union, and its mission is to provide financial products to those who have served our country. Its membership is restricted to current or former members of the military, current or former employees of the Department of Defense or DOD contractors, or immediate family members of someone who fits the criteria.

Navy Federal's roster of credit cards includes some standout features, including no foreign transaction fees, no balance transfer fees and rewards that never expire. Read on to see our picks for best-in-class.

  • 400+ credit cards reviewed by our team of experts (See our top picks)

  • 80+ years of combined experience covering credit cards and personal finance

  • 27,000+ hours spent researching and reviewing financial products in the last 12 months

  • Objective comprehensive ratings rubrics (Methodology)

NerdWallet's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards. Their work has appeared in The Associated Press, USA Today, The New York Times, MarketWatch, MSN, NBC's "Today," ABC's "Good Morning America" and many other national, regional and local media outlets. Each writer and editor follows NerdWallet's strict guidelines for editorial integrity.

  • 400+ credit cards reviewed by our team of experts (See our top picks)

  • 80+ years of combined experience covering credit cards and personal finance

  • 27,000+ hours spent researching and reviewing financial products in the last 12 months

  • Objective comprehensive ratings rubrics (Methodology)

NerdWallet's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards. Their work has appeared in The Associated Press, USA Today, The New York Times, MarketWatch, MSN, NBC's "Today," ABC's "Good Morning America" and many other national, regional and local media outlets. Each writer and editor follows NerdWallet's strict guidelines for editorial integrity.

NerdWallet's Best Navy Federal Credit Union Cards of December 2024

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Best Navy Federal Credit Union Cards

Credit card
NerdWallet rating
Annual feeRewards rateIntro offerLearn more
Navy Federal Credit Union® More Rewards American Express® Credit Card ImageNavy Federal Credit Union® More Rewards American Express® Credit Card
Best for Everyday spending

$0

1x-3x

Points
30,000
points
Navy Federal Credit Union® cashRewards Credit Card ImageNavy Federal Credit Union® cashRewards Credit Card
Best for Flat-rate cash back

$0

1.5%

Cashback
$200
Navy Federal Credit Union® Visa Signature® Flagship Rewards Credit Card ImageNavy Federal Credit Union® Visa Signature® Flagship Rewards Credit Card
Best for Travel card

$49

2x-3x

Points
40,000
points
Navy Federal Credit Union® Platinum Credit Card ImageNavy Federal Credit Union® Platinum Credit Card
Best for Low interest

$0

N/A

N/A
Navy Federal Credit Union® nRewards® Secured Credit Card ImageNavy Federal Credit Union® nRewards® Secured Credit Card
Best for Poor credit

$0

1x

Points
N/A
save money

Find the right credit card for you.

Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you.

Find the right credit card for you.

Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you.

Our pick for

Everyday spending

Annual fee
$0
Rewards rate
1x-3x
Points
Intro offer
30,000
Points
Recommended Credit Score

For an annual fee of $0, the Navy Federal Credit Union® More Rewards American Express® Credit Card is ideal for rewards-hungry households that rack up big bills on groceries, gas, dining and transit.

Product Details

  • With a Navy Federal More Rewards American Express® Card in your wallet, you can earn 30,000 bonus points when you spend $3,000 within 90 days of account opening. And, for a limited time, you can get a one-time $98 statement credit when you pay $49 or more for an annual Walmart+ membership. Expires on Jan. 01, 2025.
  • 3X points at restaurants and on food delivery
  • 3X points at supermarkets
  • 3X points on gas and transit
  • 1X points on everything else

Pros
  • For busy households, the Navy Federal Credit Union® More Rewards American Express® Credit Card offers triple points back on groceries, gas, dining and transit. All other purchases earn 1 point. The card also grants discounts on car rentals and at select restaurants. Terms apply.

Cons
  • American Express may not be as widely accepted internationally as Visa and Mastercard. If you do most of your shopping at warehouse clubs or discounters, you won't earn the elevated rewards rate.

Why We Like It

For an annual fee of $0, the Navy Federal Credit Union® More Rewards American Express® Credit Card is ideal for rewards-hungry households that rack up big bills on groceries, gas, dining and transit.

Our pick for

Flat-rate cash back

Annual fee
$0
Rewards rate
1.5%
Cashback
Intro offer
$200
Recommended Credit Score

The fuss-free Navy Federal Credit Union® cashRewards Credit Card comes with a decent rewards rate on all eligible purchases and some nice extras, too.

  • Maximize your cash back with a Navy Federal cashRewards Card. With this card in your wallet, you can earn $200 cash back when you spend $2,000 within 90 days of account opening. And, for a limited time, get a one-time $98 statement credit when you pay $49 or more for an annual Walmart+ membership using your cashRewards credit card. Expires on Jan. 01, 2025.
  • cashRewards credit cards earn 1.5% cash back on every $1 of net purchases. “Net purchases” means the sum of your eligible purchase transactions minus returns and refunds.
  • Start redeeming rewards as soon as you earn them
  • No balance transfer fee

Pros
  • Earn a solid, straightforward 1.5% cash back on your purchases or earn up to 1.75% in cash back when you open a bank account with Navy Federal and set up direct deposits. Rewards redeem as soon as you earn them, as a statement credit or to your Navy Federal bank account. During the application process, you can choose to have either a Visa or a Mastercard as the payment network. Each comes with perks specific to the brand.

Cons
  • Depending on your spending patterns, other cards may ultimately help you earn more back. If you’re seeking a 0% intro APR offer, look elsewhere.

Why We Like It

The fuss-free Navy Federal Credit Union® cashRewards Credit Card comes with a decent rewards rate on all eligible purchases and some nice extras, too.

Our pick for

Travel card

Annual fee
$49
Rewards rate
2x-3x
Points
Intro offer
40,000
Points
Recommended Credit Score

This card allows users to rack up travel rewards quickly for a relatively low cost of ownership. It also offers some perks typically found on cards with higher annual fees.

  • Get the Flagship credit card, and you could earn 40,000 bonus points (a $400 value) when you spend $3,500 within 90 days of opening your account. The perks don't stop there—enjoy a year of free Amazon Prime® (a $139 value). Expires on Jan. 01, 2025.
  • 3X points on travel
  • 2X points on everything else
  • Receive statement credits (up to $100) for Global Entry or TSA Pre✓®

Pros
  • For an annual fee of $49, you'll earn triple points on travel, but also double points on all other spending, making it a great choice for everyday spending, too. Plus get a generous sign-up bonus: Get the Flagship credit card, and you could earn 40,000 bonus points (a $400 value) when you spend $3,500 within 90 days of opening your account. Expires on Jan. 01, 2025. Get a statement credit for Global Entry or TSA Precheck application fees, up to $100 once every four years, plus other travel perks such as travel and accident insurance and auto rental coverage.

Cons
  • There's no premium lounge access, free-checked-bag perks or any of the high-end extras that come with pricier travel credit cards. Generally, you'll have to book your travel plans through Navy Federal's Rewards Service Center, which could be limiting.

Why We Like It

This card allows users to rack up travel rewards quickly for a relatively low cost of ownership. It also offers some perks typically found on cards with higher annual fees.

Our pick for

Low interest

Annual fee
$0
Rewards rate
N/A
Intro offer
N/A
Recommended Credit Score

This card offers a trio of coveted "zeroes": a $0 annual fee, a 0% intro APR offer for balance transfers, and $0 in balance transfer fees. And if you typically carry a balance on your credit card, you also may be eligible for a low ongoing APR.

  • You can get a 0.99% intro APR for 12 months from account opening on balances transferred within 60 days. You'll also pay no balance transfer fees. After that, a variable APR between 11.49% and 18.00% applies. Expires on Jan. 01, 2025.
  • No annual fees
  • No balance transfer fees
  • No foreign transaction fees

Pros
  • For those who qualify, this card offers one of the lowest ongoing APRs on the market: 0.99% intro APR on qualifying balance transfers for 12 months, and then the ongoing APR of 11.49%-18.00%, Variable APR. Cardholders also get travel and emergency assistance, extended warranty service and collision damage waiver coverage.

Cons
  • The Navy Federal Credit Union® Platinum Credit Card doesn't offer any rewards.

Why We Like It

This card offers a trio of coveted "zeroes": a $0 annual fee, a 0% intro APR offer for balance transfers, and $0 in balance transfer fees. And if you typically carry a balance on your credit card, you also may be eligible for a low ongoing APR.

Our pick for

Poor credit

Annual fee
$0
Rewards rate
1x
Points
Intro offer
N/A
Recommended Credit Score

Secured credit cards are for building or repairing credit, but this card offers rewards, too, along with some perks not typically found on cards in its class.

  • nRewards credit cards earn 1 point for every $1 of net purchases
  • Helpful tool for credit building
  • At 3 months, you could be eligible for an automatic line increase that provides you with additional credit
  • At 6 months, we’ll review monthly to see if you’re eligible for an upgrade to a cashRewards credit card

Pros
  • You'll earn 1 point per $1 spent. You'll also get an automatic review of your account starting at six months to see whether you can graduate to an unsecured card. As a nice extra, it offers collision damage waiver coverage.

Cons
  • The minimum required opening deposit is $200, which may be a barrier for some. The ongoing APR is 18.00%, Variable APR. If you think you'll need to carry a balance, other secured cards may offer a lower rate.

Why We Like It

Secured credit cards are for building or repairing credit, but this card offers rewards, too, along with some perks not typically found on cards in its class.

Last updated on November 18, 2024

Methodology

NerdWallet's credit cards team selects the best credit cards in each category based on overall consumer value. Factors in our evaluation include fees, promotional and ongoing APRs, and sign-up bonuses; for rewards cards, we consider earning and redemption rates, redemption options and redemption difficulty. A single card is eligible to be chosen as among the "best" in multiple categories. Learn how NerdWallet rates credit cards.

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