Navy Federal cashRewards
No annual fee · 1.5% on everything else · no foreign transaction fees
Earn rates
| Category | Rate | Cap |
|---|---|---|
| Everything else | 1.5% | uncapped |
Signup bonus: $250 back after $2,500 in 3 months. We never count unearned bonuses in savings math — a bonus you don't clear is worth zero.
Non-cash perks
- Membership required (Navy Federal: armed forces, DoD, veterans and their families)
- Issued as Visa or Mastercard
- No foreign transaction fees or cash advance fees
Does the fee earn out?
No annual fee, so every point earned is pure upside. The question is only whether its rates beat the other cards already in your wallet — which depends on your spending, not the card.
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
More from Navy Federal
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-09-02 against issuer terms · sources: www.navyfederal.org. Spot an error? Tell us.