Navy Federal Credit Union cashRewards Credit Card
- Minimum Credit Required:
Excellent - Annual Fee:None
- Network: VISA
Cash Back
| Initial Bonus None |
Base Earn 1% |
Max Earn 1.5% |
Earn / Redeem Limit No |
- Earn 1.5% cash back on net purchases of $10,000.01 and greater, or 1.0% cash back on net purchases up to $10,000.00 within the 12 month period beginning on the date your account is opened, and each succeeding year.
- Start redeeming cash back as soon as you earn it. No minimum required.
| Intro Rate Not Offered |
Intro Period N/A |
Regular Rate 9.65% (V) |
| Intro RateNot Offered | Intro PeriodN/A | Regular Rate9.65% (V) | Balance Transfer Fee N/A |
| Cash Advance Rate 11.65% (V) |
Cash Advance Fee None if performed at a Navy Federal branch or ATM; otherwise, $0.50 per domestic transaction |
- No annual fee.
- Max Late Fee: N/A
- Max Overlimit Fee: N/A
- Max Penalty APR: None
- Grace Period: 25 days
- Online Response: No
- Foreign Transaction Fee: 1%
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The card information shown on this page was last updated: May 29th, 2013 at 12:09 EDT
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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 been my favorite one, by far, for several different reasons. To begin with, the interest rate is unbeatable. The cash advance fees are relatively low, and easy to get - there are even special ATM machines at Walgreens where you can withdraw cash without dealing with an extra service charge. Every application process I've gone through dealing with my NFCU credit card - from the initial application to applying for a credit increase - has been easy and gone smoothly. And of course, you can't beat getting cash back when you make a purchase!
April 12, 2013 at 09:45pm
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 $.
February 1, 2013 at 07:18pm
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 of the money you've earned.
November 8, 2012 at 06:57pm
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 on time and not going over my credit limit. I highly recommend this card to everyone.
October 11, 2012 at 05:44pm
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 yearly fees and a pretty good rewards policy. I am thoroughly pleased with the card and would recommend it to anyone who is qualified for it.
August 22, 2012 at 05:51pm
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 complimentary rental car insurance similar to American Express's travel policy. Basically, the policy provides that extra auto insurance coverage that rental car companies often try to charge you an arm and leg for when you rent. Thankfully I've never had to use it, but I assume it would be as hassle-free as all of my other interactions with NFCU. I wish my interest rate was lower, but it's still competitive against most other credit card companies. I give NFCU's cash back credit card five stars.
July 12, 2012 at 03:26pm
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.
July 6, 2012 at 06:26pm
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 this card is not designed for high-end payments. If this does not bother you though, then I highly recommend this credit card.
June 27, 2012 at 04:01pm