Navy Federal Credit Union cashRewards Credit Card
Navy Federal Credit Union · Cashback · Statement Credit
This comprehensive guide covers the Navy Federal Credit Union cashRewards Credit Card's reward rates, fees, and terms — updated regularly from official sources — to help you decide if this card fits your spending. The Navy Federal Credit Union cashRewards Credit Card from Navy Federal Credit Union offers cashback rewards credited directly to your statement at 3%. Top earning categories include 3% cash back on gas and dining and more. This card has no annual fee.
Best for: Dining, Fuel, Grocery, General Online
Reward Examples
Spend $1,000 on Dining → earn $30 (3%) · 3% cash back on gas and dining
Spend $1,000 on Grocery → earn $20 (2%) · 2% cash back on grocery stores
Spend $1,000 on General online → earn $10 (1%) · 1% cash back on all other purchases
Official product page → Official rules →
Waiver: No annual fee
Reward Rules
- 3% 3% cash back on gas and dining
- 2% 2% cash back on grocery stores
- 1% 1% cash back on all other purchases
Important Notes
- No foreign transaction fees
- Available only to Navy Federal Credit Union members
How to Apply
- Apply online: Official application page →
- Credit score: Most rewards cards require good to excellent credit (typically 670+ FICO).
- Issuer rules: Some issuers restrict approvals (e.g. Chase 5/24). Verify current eligibility before applying.
Navy Federal Credit Union cashRewards Credit Card vs Similar Cards
- Alliant Cashback Visa® Signature Card — 3% top rate · $0
- Alliant Platinum Visa® Card — 2% top rate · $0
- Blue Cash Everyday Card from American Express — 3% top rate · $0
Maximize Your Rewards
To earn the highest rewards, use the Navy Federal Credit Union cashRewards Credit Card for its bonus categories: Dining, Fuel, Grocery, General Online, Electronics Accessories.