Navy Federal cashRewards Card
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The Navy Federal cashRewards Card is a cash rewards card (hence the name) designed for those who want a simple, straightforward cash back structure and who qualify for membership. Cardholders can earn unlimited 2% cash back with the cashRewards Plus card if you’re approved for a credit limit of $5,000 or more. If approved for a lower credit limit, you’ll get the cashRewards card and can earn unlimited 1.5% cash back. We dive into the details and your approval odds in this Navy Federal cashRewards review.
Our Rating
4.3/5.0
Welcome Offer
$250
Annual Fee
$0
0% Intro on Purchases
None
Reward Rate
1.5% – 2%
0% Intro on Balance Transfers
12 months
Welcome Offer
Earn $250 cash back when you spend $2,500 within 90 days of account opening.
Editorial Review
Features & Benefits
| Security | Fraud Monitoring, Zero Liability, Identity theft protection |
| Contactless Payments | Apple Pay, Google Pay, Samsung Pay |
| Benefits | Extended Warranty Coverage, Price Protection, Purchase Protection, ShopRunner, Free credit score access, 24/7 customer service |
| Travel Perks | Auto Rental Collision Damage Waiver, Concierge Services, Emergency Travel Assistance |
Rewards
Interest Rates & Fees
| Annual Fee | $0 |
| Foreign Transaction Fee | None |
| Regular APR | 15.15% - 18.00% (V) APR |
| Balance Transfers | 0% Intro APR for 12 months on balance transfers, then 15.15% - 18.00%(V) APR after that. |
| Balance Transfer Fee | None |
What Credit Score Is Required to Get the Navy Federal cashRewards Card
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.
Lowest Approved Credit Score: 764
Average Approved Credit Score: 784
| App Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 04/22/2022 | Equifax | ||
| Approved | 04/22/2022 | TransUnion | ||
| Approved | 04/22/2022 | Experian |
Pros & Cons
- Welcome offer
- No annual fee
- No foreign transaction fee
- Requires good credit
What Are the Best Alternatives?
Wells Fargo Active Cash® Card
Rating
4.9
Rewards Range
2%
Annual Fee
$0
Citi® Double Cash Card
Rating
4.9
Rewards Range
1% to 2%
Annual Fee
$0
Capital One Quicksilver Cash Rewards Credit Card
Rating
4.5
Rewards Range
1.5% - 5% cash back
Annual Fee
$0