Navy Federal Credit Union GO REWARDS® Credit Card Reviews: Is It Worth It? (2024)Reviews, rates, fees, and rewards details for The Navy Federal Credit Union GO REWARDS® Credit Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership fees0.99% intro APR on purchasesHigh rewards rateBonus rewards categoriesNo initial rewards bonusNo intro APR on balance transfersRequires good/excellent credit
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Navy Federal GO Rewards Credit Card has a rating of 3.0/5 according to our proprietary credit card rating system. This rating reflects how appealing Navy Federal GO Rewards Credit Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Finance New Purchases'. To break it down further, Navy Federal GO Rewards Credit Card earned a score of 5.0/5 for Fees, 3.3/5 for Rewards, 2.4/5 for Cost, 2.9/5 for APR, and 3.5/5 for User Reviews. Info about the Navy Federal Credit Union GO REWARDS® Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
WalletHub Rating Breakdown
User Reviews
3.5/5
116 reviewsRead and write reviews
Market Comparison
Market Comparison
2.9
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Finance New Purchases” for this card.
Fees
5.0
Rewards
3.3
Cost
2.4
APR
2.9
2.9/5
Compared against 1,500+ credit cards
KEY TERMS
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit
Navy Federal GO Rewards Credit Card Annual Fee
$0
Navy Federal GO Rewards Credit Card APR on Purchases
0.99% intro APR for 6 months, 14.24% - 18% (V) APR after that
Navy Federal GO Rewards Credit Card Balance Transfer
APR: 14.24% - 18% (V)
Balance Transfer Fee:$0
Navy Federal GO Rewards Credit Card Rewards
Earn 3 points per $1 spent at restaurants, 2 points per $1 on gas and 1 point per $1 on everything else with no limit on the total number of points you can earn.
Points can be redeemed for cash, travel, gift cards and merchandise.
No rewards expiration while account is open.
Earn more rewards by shopping with your Navy Federal credit card at Member Deals.
Navy Federal GO Rewards Credit Card's Additional Info
No Cash Advance Fee if performed at a Navy Federal branch or ATM; otherwise, $0.50 per domestic transaction
Zero Liability policy for unauthorized purchases and fraud notifications.
Ability to freeze and unfreeze your cards
To be eligible to apply for the card, you must fall into one of the following categories: Active Duty, Retired & Veterans, Immediate family members or household member of a service member, DoD civilian personnel who support the armed forces, existing member and a parent, grandparent, or guardian of a minor.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
User Reviews
3.5
Market Comparison
2.9
fees: 5.0
rewards: 3.3
cost: 2.4
APR: 2.9
4.1WalletHub Rating
WalletHub Rating
4.1
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Gas Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.4
User Reviews
3.6
Market Comparison
4.1
fees: 5.0
rewards: 3.9
cost: 4.2
Other Features: 0.0
4.1WalletHub Rating
WalletHub Rating
4.1
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.2
User Reviews
3.6
Market Comparison
4.2
fees: 4.0
rewards: 5.0
cost: 4.3
APR: 3.8
(116)
(38)
(80)
annual fee$0
annual fee$0
annual fee$0
Purchase Intro APR0.99% for 6 months
Purchase Intro APR0% for 12 months from account opening
Purchase Intro APR0% for 15 months
transfer intro aprNot Offered
transfer intro aprNot Offered
transfer intro apr0% for 15 months|Transfer Fee:3% intro fee ($5 min) for each transfer in first 4 months, after that 5% ($5 min) for each transfer
Can't find what you are looking for? Submit your question about Navy Federal Credit Union GO REWARDS® Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
There's no official Navy Federal GO Rewards income requirement, however, card issuers need income information to offer you a credit, and an income is definitely a must.
The higher your income, the higher your credit limit.
Navy Federal GO Rewards points are worth 1 cent per point. For example, 1,000 Navy Federal GO Rewards points have a value of $10. The value of Navy Federal GO Rewards points is the same regardless of how they are redeemed.
There's no way to tell in advance what's the Navy Federal GO Rewards credit card credit limit. It all depends on your income, debt and credit history, but they don't disclose a formula or something like that.
The minimum payment on the Navy Federal GO Rewards credit card is 2% of the balance owed or $20, whichever is greater. They use the same formula for all of their credit cards.
The Navy Federal GO Rewards Credit Card due date is at least 25 days after the close of each credit card billing period. Navy Federal GO Rewards Credit Card due dates are on the same day of the month for every billing period.
Things to Know About the Navy Federal GO Rewards Credit Card Due Date
You can find your due date on the online account details page as well as at the top of the monthly billing statement.
You can redeem your rewards online. Simply log in to online banking: https://my.navyfederal.org/NFOAA_Auth/login.jsp. Choose your rewards card under "Loans & Credit Cards", locate your "Rewards Points" and select "Rewards" to enter the redemption center.
The easiest way to apply for the Navy Federal GO Rewards Credit Card is online. Applying online is fast, secure and you can do it at any time. But that's not the only way you can do it.
How to Apply For the Navy Federal GO Rewards Credit Card
Online: Visit the card's online page and select “Apply Now.” Then, sign in to your account and follow the steps to complete the application.
Share your insights and review for the Navy Federal Credit Union GO REWARDS® Credit Card
5
14%
4
34%
3
46%
2
3%
1
3%
3.5
116 reviews
116 reviews
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Dennis @sinned96_1
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5 Star Rating
Verified Customer
I've run thousands of dollars through this card. Great way to get money from Navy Federal credit card without the extra 2% interest
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Daniel @dsmallsjr
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5 Star Rating
Verified Customer
Love this card. Had it for many years with minimal issues. Customer 3was great and fix the issue with ease. Love that it gives cash back that can be used toward payment on card.
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0
0
Kenneth @dkgroupllc2015
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1 Star Rating
Verified Customer
Honestly the best banking institution I've ever been a part of!I have several credit cards and loans thru them and never had any issues. 5 stars all around!
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0
Demetric @denisehudson13
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5 Star Rating
Verified Customer
Navy federal is the best for me and my family. I’d recommend them to all of my family and friends. Especially when it comes to interest rates and vehicle approval. I love Navy Federal
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cmc0431 @cmc0431
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3 Star Rating
I’ve had this card for many years and it’s closed. What happens if I stop making my monthly payments on this card? I just can’t make the payments anymore. I have spoken to them and they gave me a year with a lower payment but the year is up and they want me to pay monthly. Any suggestions would be appreciated.
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mayesne @mayesne
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1 Star Rating
applied to navy fed rewards card with a 660 credit score, no late payment on all accounts. DENIED!!!! I have read many reviews that people with late payments and lower credit score that are getting approved... SEEMS VERY STRANGE TO ME... I've been a member of navy fed for over 8 years. PLEASE EXPLAIN NAVY FEDERAL, PLEASE EXPLAIN. I'LL WAIT... 0 RATING FOR ME, LIKE I MAY TAKE MY BUSINESS ELSEWHERE..
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Vanessa @yesss76549
Hello, I would call them and ask for what is called a reconsideration. They will reconsider your application. Many banks allow this with credit card and loans. Done it myself and was approved. Good luck!?
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Robert @robertfchappell
I have a 550 and got approved for a 12k limit. LOL
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Anne @annehoffert
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5 Star Rating
Verified Customer
Navy Fed is a wonderful place to bank. Low rates for loans and credit cards and great customer service that is based in the US. The people here have a willingness to treat their customers like owners b/c at a credit union that’s what you are, one of the owners.
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Kimberly BoydHarris @Yamahaw12
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5 Star Rating
Navy Federal Credit Union is awesome! Got approved for a Go Rewards card with a 560 credit score with a credit limit of $3400. I had been working on my credit and it feels so good to finally get approved fo a UNSECURED credit card! Will definitely take good care not to mess this up!
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labritneyh @labritneyh
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5 Star Rating
Verified Customer
Thankful for this opportunity. I applied on 7/16 for the GO REWARDS CC and was Instantly approved for 15k. Prior to me restoring my credit starting November 2018 , my scores were trending in the 450’s. Upon application Ex: 677, TU 670 & EQ 659. For the Go rewards card my TU report was pulled. On Sunday of this same week Navy federal also financed me a 2019 Honda Accord. For the auto loan TU and EQ were pulled. 6.24% interest rate which is the best I’ve ever had.
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george green @georgeg_100
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5 Star Rating
Verified Customer
Just got approved for 15k limit. I applied back in march and got denied so I did the secure card and kept it for a few months and then reapply and got approved. Thank you navy federal for giving me a chance and my score was in the low 600s
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Review Navy Federal Credit Union GO REWARDS® Credit Card
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2024 WalletHub Awards
Navy Federal Credit Union GO REWARDS® Credit Card is an Editor's Pick for: