Navy Federal cashRewards
No annual fee · 1.5% on everything else · no foreign transaction fees
Terms verified 2026-09-02 against issuer terms · welcome offer re-checked 2026-10-23
Earn rates · how we got this
| Category | Rate | Cap |
|---|---|---|
| Everything else | 1.5% 1.5¢ per $1 |
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. Bonus figure confirmed on the issuer's page 2026-10-23.
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? · how we got this
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.