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Navy Federal Credit Union cashRewards Credit Card

navy federal credit union cashrewards credit card
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194 reviews   Write a Review
Info about the Navy Federal Credit Union cashRewards Credit Card has been collected by CardHub to help consumers better compare credit cards. The card issuer did not provide the details.
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Navy Federal Credit Union cashRewards Credit Card’s Rewards

Base Earn
Max Earn
  • Receive $100 bonus cash back when you spend $2,000 within 90 days of opening a new card.
  • Receive 1.5% cash back on all purchases.
  • Unlimited rewards. Rewards never expire.
  • Earn big rewards by shopping with your Navy Federal credit card in the exclusive online shopping mall.

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

Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Regular APR
9.9% - 18% (V)

Navy Federal Credit Union cashRewards Credit Card’s Additional Info

  • MAX LATE FEE   $20
  • MAX PENALTY APR   18% (V)
  • GRACE PERIOD   25 days
    11.9% - 18% (V)
    None if performed at a Navy Federal branch or ATM; otherwise, $0.50 per domestic transaction
  • SMART CHIP   Yes, chip-and-PIN
  • Collision Damage Waiver coverage for auto rental.
  • No annual fee.
Apply Now
at Navy Federal Credit Union’s
secure site

Customer Questions and Answers

Don't see what you're looking for? Submit your question about Navy Federal Credit Union cashRewards Credit Card to our community.

Can I use this card any where and also I was given 20k can I withdraw cash from that

Photo of Card H.
Dec 5, 2013
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.
-1 Votes 3 4

Can I pull out money from an ATM using my cash rewards card

Photo of Card H.
Sep 26, 2013
Hi Manny. Yes, you can use your card to make a withdrawal from an ATM.
-1 Votes 4 5

I just got approved for my rewards credit card. Is there a way I can check the tracking to see when it will arrive?

Photo of Card H.
Jan 4, 2016
If there isn’t any information about tracking your card’s delivery in the email you got when you were approved, your best bet is to call customer service at 1-888-842-6328. FYI, it generally takes 7-10 business days to get a new credit card after being approved for an account. Hope this helps. Best of luck!
-3 Votes 4 7

Customer Reviews

Share your insights and review the Navy Federal Credit Union cashRewards Credit Card.

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4.3 out of 5

194 reviews
Photo of Reddie
Feb 15, 2016
I needed a new credit card, because we hit a tough spot. Due to no fault of our own, we found ourselves not having an income. We knew that we could turn it around, but would need a few days. Since our income was direct deposit and simply didn't show up, we needed instant access to cash or credit since bills were due. I applied for this credit card, and was instantly approved. The customer service performed well - they were helpful and friendly. I did everything over the internet, but had to call them to verify a few things. The only thing I'd approve is to allow customers to more
Photo of Le M.
Dec 6, 2015
Application was just OK. I am new to the USA so I had no credit, meaning I did have to wait a long time to get this card approved, even though I provided a reference letter and paystubs from my current occupation as evidence of employment. The agent was not very discreet, and I think everyone in the bank knew my situation by the time she was done on the phone. I got a high APR, and have yet to find a decent use for the "cashback" system. I suppose this is my cost incurred for attempting to build credit, even as an adult with a lengthy an solid employment more
Photo of Shane H.
Jun 19, 2014
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!
Photo of Lauren S.
Jun 5, 2014
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
Photo of Zach N.
Sep 2, 2013
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
Photo of Brad C.
Oct 24, 2014
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
Photo of Trish T.
Apr 12, 2013
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
Photo of Trick T.
Feb 1, 2013
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 $.
Photo of Kevin G.
Nov 8, 2012
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
Photo of Paul P.
Oct 11, 2012
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
Photo of Steven B.
Aug 22, 2012
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
Photo of Elliot S.
Jul 12, 2012
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
Photo of Isaac G.
Jul 6, 2012
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.
Photo of Ryan G.
Jun 27, 2012
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
+181 users submitted a rating without a full review
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Last updated on: Jul 18th, 2016 at 12:34 EDT

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