Navy Federal Cash Rewards Credit Card

Navy Federal Cash Rewards Credit Card

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Navy Federal Credit Union · VISA

The Cash Rewards Credit Card is a credit card from Navy Federal Credit Union on the Visa network. It earns 2% on everything else.

Verified 7 Sept 2026

Key facts

Foreign transaction fee
None
Network
VISA

Reward rates by category

Reward rates for the Navy Federal Cash Rewards Credit Card by spending category
CategoryRateDetail
Everything else2%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.

Questions about the Navy Federal Cash Rewards Credit Card

What is the annual fee on the Navy Federal Cash Rewards Credit Card?

Woodo does not currently hold verified annual fee data for the Navy Federal Cash Rewards Credit Card. Check the issuer's own terms for the current fee.

What rewards does the Navy Federal Cash Rewards Credit Card earn?

The Navy Federal Cash Rewards Credit Card earns 2% on everything else.

Is the Navy Federal Cash Rewards Credit Card worth it?

The Navy Federal 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.

Not sure this is the right card for you?

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