GO BIZ® Rewards Business Credit Cards
Elevate Your Business’s Purchasing Power
Our GO BIZ® Rewards credit card can help keep your business moving forward. Boost your buying power with a great rate, no annual fee, your choice of rewards and more.
The GO BIZ Rewards card also makes it easier to track and manage your business expenses and keep your business and personal finances separate. Plus, with its contactless technology, you can make purchases quickly and securely with just a tap.
Program Description
Features & Benefits
- Available as Visa® or Mastercard®
- No foreign transaction fees
- No earnings cap4
- Great for travel and expenses
- Multiple cardholders available
- Zero Liability policy for unauthorized transactions
Confirm Your Business’s Eligibility Before You Apply
To be eligible for a GO BIZ Rewards card, business owners need to meet certain credit requirements in addition to the following criteria:
- Navy Federal Credit Union business member
- must either have 1 year of tenure as an individual member OR have been in business for at least 24 months
Additional Benefits
Visa
With a Navy Federal GO BIZ® Rewards Visa® Credit Card, you’ll also have access to Visa’s special security benefits.
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Protections & Insurance -
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Travel Services -
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Discounts & Deals -
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Business Support Services
Mastercard®
GO BIZ® Rewards Mastercard cardholders enjoy added business programs and benefits that provide enhanced ease and convenience to business management. Select services include:
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Exclusive Business Advantages -
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Cellular Wireless Telephone Protection -
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Mastercard ID Theft Protection™ -
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MasterRental® Collision Damage Waiver
Frequently Asked Questions About Business Credit Cards
Why would I need a small business credit card?
A business credit card gives you the flexibility to finance purchases and streamline expenses for your small business. It also allows you to earn rewards, track purchases and even get purchase protection.
What is the difference between personal and business credit cards?
A business credit card offers rewards that are more targeted toward business needs.
Can’t I just use my personal credit card instead of a small business credit card?
In addition to keeping your business finances better organized, a business credit card may provide benefits you don’t get with a personal credit card.
Ready to Apply? Here's How.
If you're already a business member and meet eligibility requirements, here's how to apply for a GO BIZ® Rewards credit card.
Single-Owner Businesses:
- Begin the application process by signing in to our secure portal using your Navy Federal personal credentials.
Multi-Owner Businesses:
- Complete the application form and beneficial owner form (if required). Print them out and sign with a pen (digital signatures aren’t accepted). Then scan the signed document(s) and submit online using your Navy Federal business credentials.
You’ll receive an update approximately 7–10 business days after you’ve submitted your request.
Note: If you’re a Navy Federal employee applying for business credit, you must contact Business Solutions at 1-877-418-1462 to apply.
Disclosures
As of 09/01/2023, GO BIZ® Rewards credit card rates range between 14.40% APR and 18.00% APR, are based on creditworthiness, and will vary with the market based on The Wall Street Journal 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.
↵ATM Cash Advance Fee: None if performed at a Navy Federal branch or ATM; otherwise, $0.50 per domestic transaction or $1.00 per foreign transaction.
↵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.
↵Points expire 4 years from the month in which they were earned, as long as the account is open.
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