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Navy Federal Credit Union cashRewards Credit Card

navy federal credit union cashrewards credit card
Required Credit Score: Excellent
4.5 169 reviews   Write a Review!
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Navy Federal Credit Union cashRewards Credit Card’s Rewards

Bonus
None
Base Earn
1.5%
Max Earn
1.5%
Earn / Redeem Limit
No
  • Receive 1.5% cash back on all purchases.
  • Unlimited rewards. Rewards never expire.
  • Earn big rewards by shopping with your Navy Federal credit card at our exclusive online shopping mall.

Navy Federal Credit Union cashRewards Credit Card’s Key APRs & Fees

Intro Rate on Purchases
Not Offered
Intro Rate on Transfers
Not Offered
Regular Rate
9.65% - 18% (V)
  • ANNUAL FEE None
  • BALANCE TRANSFER FEE None

Navy Federal Credit Union cashRewards Credit Card’s Additional Info

  • MAX LATE FEE   $20
  • MAX OVERLIMIT FEE   N/A
  • MAX PENALTY APR   18% (V)
  • GRACE PERIOD   25 days
  • ONLINE RESPONSE   No
  • CASH ADVANCE RATE 11.65% - 18% (V)
  • CASH ADVANCE FEE None if performed at a Navy Federal branch or ATM; otherwise, $0.50 per domestic transaction
  • FOREIGN TRANSACTION
    FEE  
    1%
  • Collision Damage Waiver coverage for auto rental.
  • No annual fee.
Apply Now
at Navy Federal Credit Union’s
secure site
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Navy Federal Credit Union cashRewards Credit Card Reviews

 
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4.3
Overall Rating: 4.3 / 5
Total Ratings: 169
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Jun 19, 2014
Photo of Shane H.
5
By:
I got this card as my very first credit card. It was an excellent decision as it has no annual fee and unlimited 1% cash back abilities. I was able to build my credit and put all purchases on the card to receive the reward, which is worth it as long as you pay off the balance every statement! Its like free money. The customer service is great and I have never had a problem. I opted to do everything online and am able to pay and get my rewards via online. Very easy!
Jun 5, 2014
Photo of Lauren S.
3
By:
What I like most about this credit card is that it's through my bank so I can do all my banking through one business. It was the first credit card I have gotten and I didn't have any issues with it. I do like that you get cash back with this card. I have a tendency to use this card and immediately pay off the balance just that I can get cash back. The only thing I do not like about this card is if I don't pay it immediately off, it has a pretty high interest rate. I would definitely recommend this card unless you are planning on keeping more
Sep 2, 2013
Photo of Zach N.
3
By:
My first credit card, and one with which I've had no problems. The perk isn't ridiculously good, but 1% cash back is a solid perk for those of us who don't do a lot of online shopping. The best thing about this card is the credit union it's attached to. Navy Federal has always been prompt and helpful in my experience, helping me replace lost cards and such. Personally I've never had to dispute a charge (*fingers crossed*) but I'm confident that if I did the process wouldn't be too painful.
Of course if you've got big purchase plans or just a fat wallet, there are much better cards with other more
Oct 24, 2014
Photo of Brad C.
Brad Collins
I've Disputed a charge. It was as easy as calling them up (call took about 5 min) telling them the charges the i needed to dispute. They took them off my card instantly. After that all i had to do was fill out a form and bring it into a branch or mail it back to them to finish the process. 10 minuets of my time for a $700 unauthorized charge was a pretty good deal in my opinion
Apr 12, 2013
Photo of Trish T.
5
By:
I've been a member of Navy Federal for a little over 5 years now, and my experiences have been nothing short of exceptional. Everything from their customer service to their interest rates are great. Even their wait times on hold on the phone aren't so bad around the 1st and the 15th, and that's saying a lot, because every single military member is getting paid that day and blowing up their phones with questions and concerns. Still, if the employees feel frazzled, they don't show it - always respectful and helpful. Anyway, about the credit card. I have several credit cards from a couple different banks, and Navy Federal has more
Feb 1, 2013
Photo of Trick T.
5
By:
Been a member since 2009 and they have been awesome. Helping me rebuild my credit to the point of me on the verge of purchasing my first home. Def Reccommend NFCU. Was just approved for the cash rewards and from reading all the post here, I'm excited to start earning $.
Nov 8, 2012
Photo of Kevin G.
4
By:
This is the first credit card I've ever had, and I don't really have a great track record with saving money. However, this card and its plan really helped me. With cash back on every purchase, it's a lot harder for me to blow through my money like I have in the past. I especially love the fact that Navy Federal doesn't impose and fees for monthly and yearly usage. If you're looking for a good credit card and a bank that cares about you, go with Navy Federal. They know how to let you make the most out of your purchases, and at the end of the day, keep more
Oct 11, 2012
Photo of Paul P.
5
By:
My experience with this card has been nothing short of great. I've had it for quite a few years, and love everything you get. From my competitive interest rate, to the cash rewards I earn, I couldn't ask for much more. There is no annual fee, and you can earn cash back with EVERY SINGLE PURCHASE, unlike some cards where the purchases have to be made at certain retailers. NFCU is my main bank, so it's easy to monitor my purchases and payments online using their new app. My credit limit has been increased to over double what it was when I first got the card by simply making payments more
Aug 22, 2012
Photo of Steven B.
5
By:
I have had this card for around 4 years now and have been very pleased with my experience. NFCU is my primary bank so in college I got this card to start building credit. I have had a wonderful experience with them. Their credit fraud system is very good and I have received several calls from the prevent system to determine if particular payments were mine. In the instance that there was a fraud the people at NFCU worked with me and I was able to clear up the fraud without any charge to me and got a new card within a few days.

The card has no monthly or more
Jul 12, 2012
Photo of Elliot S.
5
By:
I have had this card for five years or so. It's wonderful. NFCU was my main bank when I was in the military, and I have literally no complaints at all with them.

Here are the perks on my NFCU card: Great customer service, easy-to-use web services (i.e. pay your credit card bill online), historical backdated statements easily available, and my favorite thing about this card: no-hassle CASH rewards. This reward program is flawless. You can deposit your cash reward instantly against your current balance, or send the cash directly to your checking account if you don't carry a balance. I've done both.

My card also has a nice feature which provides more
Jul 6, 2012
Photo of Isaac G.
5
By:
I have had this credit card for 2 years. I have had no issues with Navy Federal Credit Union. I enjoy being able to conduct business over the phone, at a local branch, or online. I do wish they had more locations though. Customer service is always friendly when I am dealing with them about my card. My credit limit is a reasonable amount and my interest rate is competitive. I cash in my rewards every few months for a statement credit, and never have any problems doing so. I highly recommend this credit card to someone who is looking to open a new account.
Jun 27, 2012
Photo of Ryan G.
4
By:
The Navy Federal cashRewards credit card is a very reliable option. Those who use the card will notice that the rates are fairly low, and that it is a great choice for those looking for a credit card that is low risk. There are some setbacks for being such low-risk though. The limits they start you off with will most likely be low, and you will have to be a member for quite a while before they let you raise your credit limits. The cashRewards that is advertised is nothing to brag about either, since most of the rewards available are pretty low end. It’s what you sacrifice though, since more
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+158 users submitted a rating without a full review
 
Nov 21, 2013
Photo of Jessie P.
By: Jessie Price
Can I use this card any where and also I was given 20k can I withdraw cash from that
Dec 5, 2013
Photo of Card H.
Card Hub
The Navy Federal Credit Union cashRewards Credit Card is on the Visa network and can therefore be used anywhere that Visa is accepted. In regard to your second question, do you mean that you were given a $20,000 credit limit? If so, then yes, you can withdraw cash from that. However, I would caution against doing so. While this card has a relatively low cash advance interest rate (11.65%), interest begins accruing immediately on a cash advance, which means the resulting balance can become quite costly very quickly.
Sep 25, 2013
Photo of Manny V.
By: Manny Valadez
Can I pull out money from an ATM using my cash rewards card
Sep 26, 2013
Photo of Card H.
Card Hub
Hi Manny. Yes, you can use your card to make a withdrawal from an ATM.
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Last updated on: Oct 24th, 2014 at 3:00 EDT