GO REWARDS® Credit Card
Get a Low Intro APR on Purchases
You could get a 0.99% intro APR on purchases for the first 6 months of account opening. After that, a variable APR between 14.24% and 18% applies.Footnote 1 See offer details.
This card is best for...
Busy Lifestyle
Dining Out
Average to Excellent Credit
Rates, Fees & Rewards
Fees
- No annual fee
- No balance transfer fee
- No foreign transaction fees
- No cash advance fees
Rewards
- 3X points at restaurantsFootnote 3
- 2X points on gas
- 1X points on everything else
Program Description
Features & Benefits
No Rewards Limit
Spend more, earn more. Continue to accrue more until you’re ready to redeem.
Redeem Points for Cash, Travel, Gift Cards and Merchandise
Collision Damage Waiver
Additional Card Benefits
Included With All Navy Federal Credit Cards
- 24/7 help from our US-based member service team
- No Balance Transfer or Foreign Transaction FeesFootnote 5
- Ability to Freeze and Unfreeze Your Cards
- Access to Your Credit Score
- Tap to Pay
- Fraud Notifications*
- An average credit card APR that’s 6.81% lower than the bank industry averageFootnote 6
- Zero Liability Policy for Reported Unauthorized Transactions
- Use Your Credit Card Before It Arrives in the Mail if You Qualify for a Digitally Issued Card
If you live life on the go, our GO REWARDS card is for you.
Do You Prequalify?
If you’re already a member, you can find out if you prequalify before applying for a Navy Federal 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.
Cardholder Resources
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Redeem Credit Card Rewards
Get the most out of your credit card. Redeem your rewards now.
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Member Deals
Use your credit card to shop our online Member Deals. You'll get higher rewards just for purchasing through Member Deals, free shipping from certain retailers, exclusive offers and other perks.
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Get Your Credit Score
Stay on top of your credit. Sign in to your Navy Federal account to easily view your credit score.
Learn More about Get Your Credit Score
Credit Card Learning Center
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How to Apply for a Credit Card
Demystify the application process. Learn how to apply, how long the process takes and what the impact will be on your credit.
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How Credit Cards Work
Credit cards are valuable tools to establish and build credit. Learn how they work and how to use them responsibly.
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Credit Scores & Reports
Visit MakingCents to learn what affects your credit score and how you can build a strong credit history.
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How to Do a Balance Transfer
Learn how you can move your current credit card balance to a Navy Federal card to consolidate debt and potentially lower payments.
Learn More about How to Do a Balance Transfer
Disclosures
As of 02/17/2025, rates range from 14.24% 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. Application must be submitted by 01/01/2026. Limit of one promotional offer at account opening. Navy Federal reserves the right to change or end this offer at any time without notice.
↵As of 02/17/2025, rates range from 14.24% 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.
↵GO REWARDS credit cards earn 3 points for every $1 of net purchases made at restaurants, 2 points for every $1 of net purchases made for gas, and 1 point for every $1 of other net purchases. A GO REWARDS restaurant or gas purchase may only earn 1 point per dollar spent, depending on the merchant code used to process the transaction. Restaurants located within another establishment (e.g., hotel, casino, commissary, grocery store, event venue) may receive 1 point per dollar spent at these locations. In addition, superstores, supermarkets, and warehouse clubs that sell gasoline are not considered gas stations, so you will earn 1 point per dollar spent at these locations. Rewards are only 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, and ATM cash advance 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. For more information, view the GO REWARDS Program Description Guide.
↵Rewards are subject to change and vary by merchant. Reward types are based on the purchasing credit card. cashRewards and cashRewards Plus cards receive cash back, Platinum receives a statement credit, and all others receive points. Program excludes Navy Federal Business and Home Equity Line Visa® Platinum credit cards and Navy Federal Debit Cards.
↵As of 02/17/2025, nRewards® Secured card rate is 18.00% APR and will vary with the market based on the U.S. Prime Rate. All other Navy Federal credit card rates range from 10.99% 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.
↵Credit card value claim based on an internal analysis of Navy Federal’s average credit card APR assigned to members compared to the bank industry average credit card APR in 2023. The 2023 bank industry average data was obtained from the Federal Reserve’s G.19 Consumer Credit data release.
↵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.