Navy Federal Credit Card Reviews

Yes, Navy Federal does issue an American Express credit card: the Navy Federal Credit Union More Rewards American Express® Credit Card. The NFCU More Rewards Amex card has a $0 annual fee and offers 3 points / $1 spent at grocery stores and restaurants, including food delivery services. The card also gives 3 points / $1 spent on gas and transit expenses. All other purchases get 1 point / $1 spent. Plus, there's an initial bonus of 25,000 points for spending $3,000 within the first 90 days of opening an account.

The More Rewards card is the only Navy Federal credit card on the American Express network right now. Navy Federal issues a number of other credit cards on the Visa and Mastercard networks.

Anyone considering a Navy Federal American Express, Mastercard or Visa card should bear in mind that you must qualify for Navy Federal Credit Union membership first, before you can apply for the card. Anyone connected to the U.S. Armed Forces or Department of Defense, including family members, may be considered for membership. You'll also need at least good credit to have high odds of approval for the NFCU More Rewards Amex card itself.

I just want to write this letter to express my gratitude for ROOTKITS CREDIT SPECIALIST for all the work they have done for me in correcting my credit issues. I was not sure what I was getting myself into when I spoke with them a month ago. I did not think they could get my credit re-established so easily. By using their service and by being patient, they have cleaned up my credit to the point where I'm now qualified to purchase a home. Absolutely amazing!!! they took my bad credit with bad FICO score of 450 and pushed it to 804, and to let you know I recently applied for a car loan at BANK OF AMERICA and I was approved. I could never think that this could happen as soon as it did. Thanks a MILLION. I have been telling my friends and family about you. they deserve a ton of recognition for what they did. I hopefully assure others to trust your service and let miracle come to pass. Contact them via : rootkitscreditspecialist @ gmail . com/  760  474  3440 

Navy Federal credit card approval requirements include a credit score of at least 700, in most cases; this is considered “good” credit. The Navy Federal Credit Union GO REWARDS® Credit Card, the Navy Federal Credit Union Platinum Credit Card and the Navy Federal Credit Union More Rewards American Express® Credit Card, all require a 700+ credit score for approval, as do a few other offers. But the Navy Federal Credit Union Visa Signature® Flagship Rewards Credit Card requires an excellent credit score (750+). The easiest Navy Federal card to get is the Navy Federal Credit Union nRewards® Secured Credit Card. You can qualify even with a credit score of 639 or less.

To apply for a Navy Federal Credit Union credit card, you have to be an NFCU member. To be eligible for NFCU membership, you or one of your family members must have ties to the armed forces, National Guard or Department of Defense. This includes active duty personnel, officer candidates, reservists and veterans. If none of these apply, call (888) 842-6328 or visit a local Navy Federal branch for assistance.

There is a lot of information required on NFCU credit card applications. You will have to provide your name, address and birthdate, for starters. The address must be a physical U.S. location and not a P.O. Box. You also need to list either your Social Security Number (SSN) or Individual Tax Identification Number (ITIN). Applicants must be U.S. citizens and at least 18 years old to be eligible. If you're under 21, you need proof of an independent income sufficient enough to make payments.

All applicants must include their employment status, monthly rent or mortgage payment, and annual income. You don't need a full-time job to qualify for a card, but you will need to report the sources of any income. This could be part-time salary or wages, rental income, retirement benefits, interest and/or dividend income, and more.

Perhaps most importantly, Navy Federal will verify your credit history and ability to pay. Your credit score, income, debt level and other factors will help determine if you're approved. This information will also play a role in setting your interest rate and credit limit.

The easiest Navy Federal credit card to get is the Navy Federal nRewards Secured Credit Card because you can get approved with Bad. If you're not looking for a secured card, NFCU has unsecured credit cards for good credit or better, such as the Navy Federal More Rewards Amex Card, the Navy Federal cashRewards Credit Card, the Navy Federal Platinum Credit Card, and the Navy Federal Go Rewards Credit Card.

The Navy Federal nRewards Secured Credit Card requires a refundable deposit (minimum of $200), and the deposit becomes your credit limit. It's a real credit card, so information about your account will be reported to credit bureaus. And you'll be charged an APR of 18% (V) on your purchases if you don't pay your balance in full every month. This secured card gives you a path toward unsecured credit, too. NFCU reviews secured credit accounts starting at 6 months for a chance at “graduating” from a secured card to an unsecured credit line.

Still, no matter how creditworthy you may be, you won't get approved if you don't qualify for NFCU membership. Navy Federal Credit Union membership is open to members of the military, Department of Defense employees, veterans, and their families. You can see if you can become a member at the Navy Federal Credit Union website. But that restriction alone makes NFCU cards harder to get than comparable cards open to the general public.

My NFCU Platinum and MasterCard says It's +2% above my current APR %. Which is 5.99% on Platinum, and 9.99% on MC So a cash advance for me, at least is 7.99% or 11.99%. Up to the cash advance limits set on the additional info section for each card. No fees, if at a NFCU ATM machine, but Pablo is right with most of the info he said. I haven't used it, but yea just go-to a NFCU, ATM and get yourself some !!! Basically going to a ATM, and YOUR buying CASH. Be prepared, if you purchase 1,000 dollars worth of cash, at that ATM, your going to pay for it HARD, & DEEP !! Approx $140. For that same 1,000 at the end of 30 days, IF you pay it off in full by then !!! Remember, it's 2% DAILY interest on cash advance's !!! If you don't pay it off in FULL, in that 30 days !!! Your APR interest WILL accrue DAILY !!!