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Introducing cashRewards Plus—make the most of all your purchases with unlimited 2% cash back! Or, earn unlimited 1.5% cash back with our cashRewards card.

Apply Now for the cashRewards Credit Card

Not a member? Check your eligibility.

How It Works

Apply

We believe in perfect fits. Apply now to find out which of our two great cards is “the one” for you.  

Get Approved

If you’re approved for a credit limit of $5,000 or more, you’ll receive a cashRewards Plus card. If it’s less, you’ll get the cashRewards card.  

Get Rewarded

Make your money grow. Earn unlimited 2% cash back with cashRewards Plus or unlimited 1.5% cash back with cashRewards. Network benefits vary by card.  

cashRewards Plus and cashRewards Credit Card Special Offer

Earn $200 Cash Back

Maximize your cash back with a Navy Federal cashRewards Plus or cashRewards Card. You can earn $200 cash back when you spend $2,000 within 90 days of account opening.Footnote 1

See offer details

Walmart+ Membership

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 Plus or cashRewards credit card. (Normally, annual Walmart+ memberships are $98.)Footnote 2

With a Walmart+ membership, you can enjoy:Footnote 3

  • Free delivery from your store
  • Discounts on gas at over 14,000 participating locations nationwide
  • Early access to promotions and events

These cards are best for...

  • Getting Cash Back

  • Everyday Spending

  • cashRewards Plus: Very Good to Excellent Credit | cashRewards: Average to Good Credit

Rates, Fees & Rewards

Rates

Purchase & Balance Transfer Variable APR between

15.40% - 18.00%Footnote 4

Terms & Conditions

Fees

  • No annual fee
  • No balance transfer fee
  • No foreign transaction fees
  • No cash advance fees

Rewards

  • cashRewards Plus: Unlimited 2% cash back on all purchasesFootnote 5
  • cashRewards: Unlimited 1.5% cash back on all purchasesFootnote 5
  • Start redeeming rewards as soon as you earn them
  • cashRewards Plus FAQs

Program Description

Features & Benefits

  • No cap on the rewards you can earn
  • No rotating spend categories
  • No rewards expiration while the card is open
  • Collision Damage Waiver

Learn More about the cashRewards credit card

Included With All Navy Federal Credit Cards

  • Use your credit card before it arrives in the mail if you qualify for a digitally issued card
  • 24/7 help from our U.S.-based member service team
  • No balance transfer or foreign transaction feesFootnote 6
  • Ability to freeze and unfreeze your cards
  • Zero Liability policy for confirmed unauthorized transactions
  • Fraud notifications*
  • Access to your credit score

Learn More about the benefits included with all Navy Federal credit cards

Do You Prequalify?

If you’re already a member, you can find out if you prequalify before applying for a credit card. This won’t affect your credit score. A prequalification does not guarantee approval when you apply. When you apply, we also consider factors such as your monthly debt-to-income ratio.

Prequalify Me for a credit card

Cardholder Resources

View MoreCardholder Resources

Credit Card Learning Center

View MoreCredit Card Learning Center

Disclosures

1

Offer valid for cardholders issued new cashRewards or cashRewards Plus credit card accounts. To be eligible for the $200 cash back, you must make $2,000 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 $200 to post to your rewards balance. Account must be open and not in default at the time the $200 is scheduled to post to your rewards balance. Limit of one promotional offer at account opening. Offer valid for accounts applied for between 10/10/2024 and 01/01/2025. Navy Federal reserves the right to change or end this offer at any time without notice.

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2

One-time statement credit of $98 when you pay $49 or more for an annual Walmart+ membership. Excludes monthly Walmart+ membership. Annual Walmart+ membership must be purchased within one year from Navy Federal cashRewards or cashRewards Plus credit card account opening date to receive the one-time statement credit. Please allow up to 30 days after the annual Walmart+ membership fee posts to your account for the $98 credit to post. Your annual Walmart+ membership will auto-renew annually following enrollment, and your credit or debit card on file will be charged for an additional term at the fee(s) in effect at the time. You may cancel your annual Walmart+ membership by calling Walmart Customer Care at 800-924-9206 or through your Walmart account. Walmart is a registered trademark of Walmart Apollo, LLC.

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3

Restrictions apply. For more information, please visit Walmart+ Membership Terms of Use.

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4

As of 12/21/2024, rates range from 15.40% 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.

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5

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.

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6

As of 12/21/2024, nRewards® Secured card rate is 18.00% APR and will vary with the market based on the US Prime Rate. All other Navy Federal credit card rates range from 11.49% APR to 18.00% APR, are based on product type and 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. $49 annual fee for Visa Signature® Flagship Rewards.

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The views expressed in the reviews are solely those of the individuals posting them. The testimonials are substantively the words of the individual reviewer, but may have undergone minor clerical revisions to ensure readability, add context, or protect private information. Any imagery displayed is for decorative purposes only and is not necessarily associated with the reviewer.