Navy federal credit union credit card rewards

Get our cashRewards credit card, and you could save with a 1.99% intro APR for 6 months from account opening on purchases. After that, a variable APR between 11.90% and 18% applies.1

Plus, earn $100 bonus cash back when you spend $2,000 within 90 days of account opening.2

Expires on Oct. 31, 2022

• Up to 1.75% cash back on all purchases3
• Start redeeming rewards as soon as you earn them
• Learn more about the new enhanced rewards structure

• Visa Signature PDF
• World Mastercard PDF

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As of 10/20/2022, rates range from 11.90% 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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2

Offer valid for cardholders issued new cashRewards credit card accounts. To be eligible for the $100 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, 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. Please allow up to eight weeks after the 90-day period for the $100 to post to your rewards balance. Account must be open and not in default at the time the bonus cash back is scheduled to post to your rewards balance. Limit of one promotional offer at account opening. Offer valid for accounts applied for between 7/1/2022 and 10/31/2022. Navy Federal reserves the right to change or end this offer at any time without notice.

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3

cashRewards credit cards earn 1.75% cash back on net purchases for cardholders with direct deposit at Navy Federal, or 1.5% cash back for cardholders without direct deposit. 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, 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. To be eligible to receive 1.75% cash back on net purchases with your cashRewards card, you must either currently have direct deposit at Navy Federal or must set up and maintain direct deposit at Navy Federal. Direct deposit is defined as a recurring ACH from your employer, military pay, or certain government agency pay or benefits deposited into your Navy Federal deposit account. You will start earning 1.75% cash back once we confirm you have direct deposit at Navy Federal.

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Spend more, earn more. No restrictions on your rewards—continue to accrue more until you’re ready to redeem.

As long as your account is open, rewards won't expire. Continue to spend and accrue rewards and redeem them at your convenience.

Make purchases quickly and securely with your cashRewards card. Just look for the Contactless Symbol at checkout, then tap your card against the card reader.

With your Navy Federal Visa® Card, you automatically have Collision Damage Waiver (CDW) coverage when you rent a car for 15 days or less and pay for the rental with your covered rewards card. The CDW coverage is secondary to any other applicable insurance or coverage available to you.

Coverage includes physical damage and theft of the rental vehicle, reasonable towing charges, valid loss-of-use charges imposed by the auto rental company, as well as your deductible and any other eligible amounts not covered by other insurance. Only you, as the primary renter of the vehicle, and any additional drivers permitted by the auto rental agreement are covered.

Certain terms, restrictions and exclusions apply. For more information, please refer to your Auto Rental Insurance Guide. If you need a copy of the guide, please call 1-888-842-6328 or one of our international phone numbers.

Visa Auto Rental Collision Damage Waiver Program

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As of 10/20/2022, 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 8.24% 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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