Navy Federal cashRewards

Personal

Navy Federal

No Annual Fee

Reward Categories

All Other

All purchases

1.5%

Welcome Bonus

$200 Cash Back

Earn $200 cash back when you spend $2,000 within 90 days of account opening.

Fees & Features

Annual Fee

No Annual Fee

Foreign Transaction

No Fees

Transfer Partners

Not Available

Travel Portal

Not Available

Application Rules

Navy Federal Membership

Requires a Navy Federal Credit Union account which is open to active duty, retired, and veteran members of the military, Department of Defense employees, and their families.

NFCU 91/3

Requires members to wait 91 days from their last credit card approval and have three full billing statements before applying for a new personal unsecured credit card or requesting a credit limit increase (CLI). After the first CLI, subsequent CLIs require a 182-day wait from the last CLI approval, without the statement requirement. This policy ensures responsible credit usage before granting additional credit.

Not Subject to 5/24

This card approval is not affected by Chase's 5/24 rule.

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