Navy Federal cashRewards
Navy Federal Credit Union · Cashback review
Navy Federal members who carry a balance but also want ongoing cash back — the rare low-APR card that rewards spending
Sorted by score, never commission
Annual fee
$0
No annual fee, every year
Ongoing APR
14.15% – 18.00% variable
Variable — verify the current range at the issuer
As of July 8, 2026
Best for
Navy Federal members who carry a balance but also want ongoing cash back — the rare low-APR card that rewards spending. It earns 2% unlimited cash back on all purchases when approved for a $5,000+ credit limit (the Plus tier), or 1.5% unlimited below that, at a 14.15%–18.00% variable APR with no annual fee.
Not for
Anyone outside Navy Federal membership eligibility and rate-minimizers who don't need rewards — the Navy Federal Platinum's 10.24% floor is lower.
The catch
The 1.5%-vs-2% cash back tier is decided at approval by Navy Federal's credit-limit decision, not fully in your control. There's no 0% intro period, so this is a card for people who want rewards while carrying a below-average-rate balance, not for deferring interest.
Card facts
Sourced from the issuer's published Schumer Box and terms — confirm current numbers at the issuer.
Product specs
- Annual fee
- $0
- Ongoing APR
- 14.15% – 18.00% variable
- Schumer Box verified
- July 8, 2026
How we scored this card
See our published methodology — 5 dimensions, 0–20 each, 100-point total.
Frequently asked
Does the Navy Federal cashRewards charge an annual fee?
No. The Navy Federal cashRewards carries a $0 annual fee, sourced from the issuer's published Schumer Box as of July 8, 2026. Rates change — confirm the current terms at the issuer.
What APR does the Navy Federal cashRewards charge?
14.15% – 18.00% variable. APRs are variable and set by the issuer — confirm the current range on the issuer's Schumer Box before you commit.
Who is the Navy Federal cashRewards best for?
Navy Federal members who carry a balance but also want ongoing cash back — the rare low-APR card that rewards spending. It earns 2% unlimited cash back on all purchases when approved for a $5,000+ credit limit (the Plus tier), or 1.5% unlimited below that, at a 14.15%–18.00% variable APR with no annual fee.
Who should skip the Navy Federal cashRewards?
Anyone outside Navy Federal membership eligibility and rate-minimizers who don't need rewards — the Navy Federal Platinum's 10.24% floor is lower.
How did ClearValue score the Navy Federal cashRewards?
Navy Federal cashRewards scored 84/100 — "Solid pick". We score every card across five dimensions (effective rewards, fee structure, audience fit, transparency, and whether an honest weakness is named), 0–20 each. Scores are never influenced by commission. See our methodology for the full rubric.
Alternatives to the Navy Federal cashRewards
Other cashback cards we've scored, ranked by our methodology.
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