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5 Star Rating
Verified CustomerI, like Navy federal credit card and service look forward to increase credit limit in the future. Also to look into other loans to enhance my credit.
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Navy Credit Card Reviews: Is It Worth It? (2025)Reviews, rates, fees, and rewards details for The Navy Credit Card. Compare to other cards and apply online in secondsJohn Kiernan
WalletHubNo membership feesHigh rewards rateLow regular APRNo foreign feeNo initial rewards bonusNo intro APR on purchasesNo intro APR on balance transfersRequires good/excellent credit
WalletHubNo membership feesHigh rewards rateLow regular APRNo foreign feeNo initial rewards bonusNo intro APR on purchasesNo intro APR on balance transfersRequires good/excellent creditNavy Credit Card
Navy Credit Card
We're sorry, but the Navy Credit Card may no longer be available to new applicants or we may no longer be able to obtain complete information related to this offer.
You can write a review about the Navy Credit Card or check the card’s rates and fees according to our latest records, which may be outdated and were collected independently by us. Alternatively, you can compare the latest credit card offers.
WalletHub RatingCard TermsPros & ConsFAQUser Reviews
KEY TERMS
Credit Score
Credit Score
Excellent Credit, Good Credit
Annual Fee
$0
APR on Purchases
10.49% (V)
Balance Transfer
APR: 10.49% (V)
Balance Transfer Fee
Rewards
Earn 2 points for each $1 of net purchases on your enrolled account made at qualified Military Exchange (excluding concessionaire purchases), Commissary, MCCS, Army MWR, and Air Force Services merchant locations.
Earn 1 point for each $1 of all other net purchases.
You can use your points to redeem for cash starting at 2,000 points. Other redemption options include gift cards and travel. When you use points to redeem for cash, gift cards and travel, each point is worth $0.01 (one cent), which means that 100 points equals $1 in redemption value.
Redemption values for other reward options may vary.
Navy Credit Card's Additional Info
Blue Star Deployment Benefits: 100% refund of interest and fees incurred during deployment.
Benefits: Travel and Emergency Assistance Services, Baggage Delay Insurance, Auto Rental Collision Damage Waiver, Extended Warranty Protection and Purchase Protection.
Add family members to your account and get additional cards for them at no charge. Plus, you'll earn rewards for all of their purchases, too.
Chase Online℠ - Take advantage of the freedom to manage your account 24/7 with customizable tools and features.
Every time you use your card on installation at MWR/FSS or MCCS facilities, you'll be supporting programs, activities and services that enrich life for military personnel and their families.
| cash advance fee | 5% (min $10) |
| cash advance APR | 10.49% (V) |
| foreign transaction fee | $0 |
| smart chip | Yes, chip-and-PIN |
| max late fee | $29 |
| max overlimit fee | $0 |
| max penalty APR | None |
| grace period | 25 days |
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Navy Credit Card Pros & Cons
No membership fees
High rewards rate
Low regular APR
No foreign fee
No initial rewards bonus
No intro APR on purchases
No intro APR on balance transfers
Requires good/excellent credit
Compare The Navy Credit Card vs. Popular Alternatives
annual fee$0 | annual fee$0 | annual fee$0 |
rewards rate | rewards rate | rewards rate |
bonus offer | bonus offer | bonus offer |
Purchase Intro APRNot Offered | Purchase Intro APRNot Offered | Purchase Intro APRNot Offered |
transfer intro aprNot Offered | transfer intro apr10.99% for 6 months|Transfer Fee: 3% intro balance, up to 5% fee on future balance transfers (see terms)* | transfer intro aprNot Offered |
Regular APR10.49% (V) | Regular APR27.24% Variable | Regular APR28.99% (V) |
Sponsored Apply Now | Sponsored Apply Now |
Questions & Answers
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Navy Credit Card Reviews
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5 Star Rating
Love my Navy Federal Acct they help whenever I call an they are always kind an considerate whenever I call thank you Navy federal for always being there
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5 Star Rating
Great credit card company .. I enjoy using this credit card.. I'm I want to maximize my credit this card will be a great help along the way
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4 Star Rating
Navy Federal Credit Union has Good customer service they work with their clients to achieve credit goals. Navy Federal Credit Union rewards program very beneficial.
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5 Star Rating
After building up my credit through various other secured cards I was able to get the Navy Federal Credit card. I have a bank account with them as well so being able to transfer money from one account to another is very easy. What I like about this card is that I get points each time I use my card. I have already received a $25 gift card from Navy Federal from using my card. I think that is great especially for a business because it enables me to be able to buy more things that I want. I love my interest rate with this card. It is the lowest one that I have had so far. I also love the support that they have with this card, I have only had one issue when I started with the card and it was immediately solved. Thank you Navy Federal for having a good card that I can depend on!
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Offer last updated: Sep 9th, 2025 at 11:09 ET
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PURCHASE INTRO APR
Not Offered
TRANSFER INTRO APR
10.99% for 6 months 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)* Transfer Fee
REGULAR APR
27.24% Variable
ANNUAL FEE
$0
REWARDS RATE
1 - 2% Cash Back
BONUS OFFER
None
MINIMUM CREDIT