Navy Federal cashRewards

Navy Federal

Membership required

Key facts

Annual fee$0
RewardsCash back
Everything else earns1.5% back
Minimum credit score650

Earn rates

One flat rate: 1.5% back on purchases. The catalog records no bonus categories for this card.

Signup bonus

$250 after $2,500 of spend in the first 3 months.

Offer expires 2027-01-03.

Applying

Foreign transaction fee: 0%

Navy Federal membership required (all branches of the military, veterans, Department of Defense employees and their immediate family members).

Issuer's page for this card

Membership required

Armed forces servicemembers, veterans and retirees; their immediate family and household members; Department of Defense civilian personnel.

Servicemembers in all branches of the armed forces are eligible for membership. This category includes: Active Duty members of the Army, Marine Corps, Navy, Air Force, Coast Guard, National Guard and Space Force; Delayed Entry Program (DEP); DoD Officer Candidate/ROTC; DoD Reservists; Veterans, retirees and annuitants
Immediate family members include: Parents; Grandparents; Spouses; Siblings; Children (including adopted and stepchildren); Grandchildren; Household members
Our field of membership also covers DoD civilian personnel, who support our armed forces. This category includes: DoD civilian employees; U.S. Government employees assigned to DoD installations; DoD contractors assigned to U.S. Government installations; DoD civilian retirees and annuitants

How to join

Notes

1.5% cash back on all purchases when the credit limit is under $5,000 (2% as cashRewards Plus at $5,000 or more). No caps or rotating categories.

Terms as of 2026-09-10. Hand-curated approximate terms; verify with the issuer before applying. Annual credits are rough fee offsets, not a calendar of every perk or lounge access. Cardflare is not affiliated with Navy Federal; the card name is its owner's trademark.

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