WalletHubNo membership fees0.99% intro APR on purchasesHigh rewards rateBonus rewards categoriesNo initial rewards bonusNo intro APR on balance transfersRequires good/excellent credit
Excellent Credit, Good Credit
$0
0.99% intro APR for 6 months, 14.24% - 18% (V) APR after that
APR: 14.24% - 18% (V)
Balance Transfer Fee
Earn 3 points per $1 spent at restaurants, 2 points per $1 on gas and 1 point per $1 on everything else with no limit on the total number of points you can earn.
Points can be redeemed for cash, travel, gift cards and merchandise.
No rewards expiration while account is open.
Earn more rewards by shopping with your Navy Federal credit card at Member Deals.
No Cash Advance Fee if performed at a Navy Federal branch or ATM; otherwise, $0.50 per domestic transaction
Zero Liability policy for unauthorized purchases and fraud notifications.
Ability to freeze and unfreeze your cards
To be eligible to apply for the card, you must fall into one of the following categories: Active Duty, Retired & Veterans, Immediate family members or household member of a service member, DoD civilian personnel who support the armed forces, existing member and a parent, grandparent, or guardian of a minor.
| cash advance fee | $0.50 |
| cash advance APR | 16.24% - 18.00% (V) |
| foreign transaction fee | $0 |
| smart chip | Yes, chip-and-PIN |
| max late fee | $20 |
| max overlimit fee | $0 |
| max penalty APR | 18.00% |
| grace period | 25 days |
No membership fees
0.99% intro APR on purchases
High rewards rate
Bonus rewards categories
No initial rewards bonus
No intro APR on balance transfers
Requires good/excellent credit
annual fee$0 | annual fee$0 | annual fee$0 |
Purchase Intro APR0.99% for 6 months | Purchase Intro APR0% for 15 months | Purchase Intro APRNot Offered |
transfer intro aprNot Offered | transfer intro apr0% for 15 months|Transfer Fee: 3% for the first 15 months, 4% at a promo APR that Capital One may offer you at any other time | transfer intro apr0% for 18 months|Transfer Fee: 3% intro fee ($5 min) for each transfer in first 4 months, after that 5% ($5 min) for each transfer |
Regular APR14.24% - 18% (V) | Regular APR18.99% - 28.99% (V) | Regular APR17.99% - 27.99% (V) |
rewards rate | rewards rate | rewards rate |
bonus offer | bonus offer | bonus offer |
Sponsored Apply Now | Sponsored Apply Now |
Can't find what you are looking for? Submit your question about Navy Federal Credit Union GO REWARDS® Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
You can redeem your rewards online. Simply log in to online banking: https://my.navyfederal.org/NFOAA_Auth/login.jsp. Choose your rewards card under "Loans & Credit Cards", locate your "Rewards Points" and select "Rewards" to enter the redemption center.
There's no official Navy Federal GO Rewards income requirement, however, card issuers need income information to offer you a credit, and an income is definitely a must.
The higher your income, the higher your credit limit.
You can make Navy Federal Credit Union GO REWARDS® Credit Card payment online, by phone, through the Navy Federal Credit Union mobile app, by mail or at a branch. To pay your Navy Federal GO Rewards Credit Card bill online, log in to your online account and click on “Make Payment.” Then, choose how much to pay, when to pay it, and where the payment is coming from. Navy Federal Credit Union does allow cardholders to set up automatic payments, too.
Ways to Make Navy Federal GO Rewards Credit Card Payment
...Yes, you can get approved for a Navy Federal GO Rewards Credit Card if you have a personal loan, though it depends on your situation. Approval for the card is determined by a series of factors like income, existing debt and credit score. While you won't get automatically disqualified for having debt, you still have to prove enough income to afford the new line of credit. Your credit score also has to be in good standing to get approved for...
Navy Federal GO Rewards points are worth 1 cent per point. For example, 1,000 Navy Federal GO Rewards points have a value of $10. The value of Navy Federal GO Rewards points is the same regardless of how they are redeemed.
Navy Federal GO Rewards Point Values
Redemption Method | Average Point Value | Value of 1,000 Points |
Travel | 1 cent | $10.00 |
There's no way to tell in advance what's the Navy Federal GO Rewards credit card credit limit. It all depends on your income, debt and credit history, but they don't disclose a formula or something like that.
The Navy Federal Credit Union GO REWARDS® Credit Card minimum payment is listed on your monthly credit card statement and in your online account, and it will either be a certain percentage of the statement balance or a flat amount, depending on how high your balance is.
Key Things to Know About Navy Federal GO Rewards Credit Card Minimum Payments
The Navy Federal Credit Union GO REWARDS® Credit Card due date is 25 days after the end of each monthly billing cycle, and it falls on the same date every month, excluding weekends and holidays. You can find your specific due date on your monthly statement or your online account. Due dates differ from customer to customer.
If you need to change your due date, you can do so through your online account or by contacting Navy Federal customer service at 1-888-842-6328...
You can redeem your Navy Federal GO Rewards Credit Card points online, through your Navy Federal Credit Union account. You can also redeem points on your smartphone by using the Navy Federal mobile app, or you can give customer service a call at (888) 842-6328.
How to Redeem Navy Federal GO Rewards Credit Card Points Online
A notable Navy Federal GO Rewards Credit Card benefit is rental car insurance, which is included with all versions of this card. Additional perks are offered by the card, but the exact benefits you receive depend on whether you're approved for a Visa or Mastercard.
When you apply, you can choose between Visa and Mastercard. If you don't make a selection, you'll receive the Visa by default. Your approved credit limit will determine whether you qualify for an upgraded...
Share your insights and review for the Navy Federal Credit Union GO REWARDS® Credit Card
applied to navy fed rewards card with a 660 credit score, no late payment on all accounts. DENIED!!!! I have read many reviews that people with late payments and lower credit score that are getting approved... SEEMS VERY STRANGE TO ME... I've been a member of navy fed for over 8 years. PLEASE EXPLAIN NAVY FEDERAL, PLEASE EXPLAIN. I'LL WAIT... 0 RATING FOR ME, LIKE I MAY TAKE MY BUSINESS ELSEWHERE..
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Offer last updated: Oct 1st, 2025 at 14:26 ET
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