Cash Rewards Credit Card
Navy Federal Credit Union · VISA
The Cash Rewards Credit Card is a credit card from Navy Federal Credit Union on the VISA network. It has an annual fee of $0. It earns 2% on everything else.
Key facts
- Annual fee
- $0
- Purchase APR
- 14.15% - 18% variable APR
- Intro APR
- 1.99% intro APR for 12 months from account opening
- Foreign transaction fee
- None
- Network
- VISA
Reward rates by category
| Category | Rate | Detail |
|---|---|---|
| Everything else | 2% | 2% on all purchases |
Benefits and perks
- No rotating spend categories
- No cap on the rewards you can earn
- No annual fee
- No balance transfer fees
- No foreign transaction fees
- No cash advance fees
- Unlimited 2% cash back on all purchases with cash Rewards Plus
- Unlimited 1.5% cash back on all purchases with cash Rewards
- You’ll get a cash Rewards card with 1.5% cash back if your credit limit is under $5,000, or a cash Rewards Plus card with 2% cash back if it’s $5,000 or more.
Rates and fees
Annual membership fee: $0. Purchase APR: 14.15% - 18% variable APR, based on creditworthiness and the Prime Rate. Introductory purchase APR: 1.99% intro APR for 12 months from account opening. Foreign transaction fee: 0.
Rates and fees as published by the issuer and recorded on 7 Sept 2026. See the issuer's terms for current rates. View the issuer's terms
Questions about the Cash Rewards Credit Card
What is the annual fee on the Cash Rewards Credit Card?
The Cash Rewards Credit Card has an annual fee of $0.
What rewards does the Cash Rewards Credit Card earn?
The Cash Rewards Credit Card earns 2% on everything else.
Is the Cash Rewards Credit Card worth it?
The Cash Rewards Credit Card is worth it when the rewards you would earn on your own spending exceed its annual fee. Upload a statement to Woodo and the calculation runs against your real categories rather than an assumed budget.
Community
Approval and real earn reports from cardholders are coming to this page soon.
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