cashRewards Credit Card Special Offer

As of 01/13/2025, rates range from 15.15% APR to 18.00% APR, are based on creditworthiness, and will vary with the market based on the U.S. Prime Rate. ATM cash advance fees: None, if performed at a Navy Federal branch or ATM. Otherwise, $0.50 per domestic transaction or $1.00 per foreign transaction.

As of 01/13/2025, rates range from 15.15% APR to 18.00% APR, are based on creditworthiness, and will vary with the market based on the US Prime Rate. ATM cash advance fees: None, if performed at a Navy Federal branch or ATM. Otherwise, $0.50 per domestic transaction or $1.00 per foreign transaction. Balance transfer offer: Application must be submitted by 3/31/2025. Offer valid for balances transferred from non-Navy Federal credit cards within 60 days of account opening. Balance transfers are not eligible to earn rewards. Maximum total transfer amount is limited to your available credit line. Balance transfers using convenience checks are excluded from this offer. If you transfer a balance with this offer, interest will be charged on purchases made with your credit card unless your purchases have a 0% APR or you pay the entire balance, including any transferred balances or purchases under this offer, in full each month by the payment due date. Navy Federal reserves the right to change or end this offer at any time without notice. Limit of one promotional offer at account opening.

By submitting your application, you are applying for a cashRewards card account. If your application is approved for an account with a credit limit of less than $5,000, you will receive a standard cashRewards card that earns 1.5% cash back. If your credit limit is $5,000 or greater, you will receive a cashRewards Plus card that earns 2% cash back. The benefits of a standard cashRewards card differ from those of a cashRewards Plus card.

Offer valid for cardholders issued new cashRewards or cashRewards Plus credit card accounts. To be eligible for the $250 cash back, you must make $2,500 or more in net purchases within 90 days of account opening. Rewards are earned on eligible net purchases. “Net purchases” means the sum of your eligible purchase transactions minus returns and refunds. Eligible purchase transactions do not include, and rewards are not earned for, the following transactions: cash advances, convenience checks, balance transfers, gambling, or fees of any kind, including finance charges, late fees, returned check fees, ATM cash advance fees, and annual fees, if any. Cash-equivalent transactions, such as the purchase, loading, or reloading of gift and prepaid cards (e.g., money orders, GO Prepaid Cards, and other cash-equivalent gift cards), may not be eligible purchase transactions and may not earn rewards. Please allow up to 8 weeks after the 90-day period for the $250 to post to your rewards balance. Account must be open and not in default at the time the $250 is scheduled to post to your rewards balance. Limit of one promotional offer at account opening. Offer valid for accounts applied for between 1/2/2025 and 3/31/2025. Navy Federal reserves the right to change or end this offer at any time without notice. 

cashRewards Plus credit cards earn 2% cash back on every $1 of net purchases. 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. Eligible purchase transactions do not include, and rewards are not earned for, the following transactions: cash advances, convenience checks, balance transfers, gambling, or fees of any kind, including finance charges, late fees, returned check fees, and ATM transaction fees. Cash-equivalent transactions, such as the purchase, loading, or reloading of gift and prepaid cards (e.g., money orders, GO Prepaid Cards, and other cash-equivalent gift cards), may not be eligible purchase transactions and may not earn rewards.