Navy Federal Credit Union credit cards
Largest U.S. credit union, known for low APRs. Relaunched its flagship travel card in Sept 2026.
About Navy Federal Credit Union
Navy Federal Credit Union is a member-owned credit union for the military community, best known in cards for low APRs and for charging no balance transfer or foreign transaction fees on its cards. Its lineup includes the Flagship Premier Rewards Card, relaunched in September 2026, cashRewards Plus, the More Rewards American Express Card, the Platinum Card and a secured card for building credit.
Navy Federal suits you if you are eligible and want a low-cost card for everyday spending, travel abroad or carrying a balance, with US-based member service available 24/7. Its prequalification tool pulls your information without affecting your credit score. The limitation: you must be a member, and membership is limited to all branches of the military, veterans, Department of Defense employees and their immediate family members, so most civilians cannot join.
Notable Navy Federal Credit Union cards
- Flagship Premier Rewards Card
- cashRewards Plus
- More Rewards American Express
- Platinum Card
- nRewards Secured
Navy Federal Credit Union cards compared
| Card | Annual fee | Rewards | Intro APR | Foreign fee | Credit needed | Rating |
|---|---|---|---|---|---|---|
Navy Federal Credit UnionNavy Federal Flagship Premi… 4337 6727 0607 6384 VALID THRU 02/32ALEX MORGAN Navy Federal Flagship Premier Rewards CardMilitary-affiliated travelers who bank with Navy Federal |
$95/yr | 4x travel; 3x dining; 1x other | None | See issuer | NFCU membership required | — |
Approval rules and tips
Membership required; reported max of 3 Navy Federal cards and about 90 days between applications.
- Use the prequalification tool: answer three quick questions and see eligible cards without affecting your credit score.
- Join first: all branches of the military, veterans, DoD employees and their immediate family members are eligible.
- Widely reported: Navy Federal limits members to about three of its cards and prefers about 90 days between applications.
- Building credit? The cashRewards Secured card has a $0 annual fee.
How to apply for a Navy Federal Credit Union card
Join Navy Federal, then apply at navyfederal.org, in the Navy Federal mobile app, by phone or at a branch. The official prequalification tool asks three quick questions and shows eligible cards without affecting your credit score. You will need proof of membership eligibility, your Social Security number, a government-issued ID, and details of your income and housing costs.
Customer service: www.navyfederal.org · 1-888-842-6328
Navy Federal Credit Union FAQs
What credit cards does Navy Federal Credit Union offer?
Navy Federal Credit Union's notable cards include Flagship Premier Rewards Card, cashRewards Plus, More Rewards American Express, Platinum Card, nRewards Secured. See the cards we review below for fees, rewards and APRs.
Does Navy Federal Credit Union have special approval rules?
Membership required; reported max of 3 Navy Federal cards and about 90 days between applications.
How do I apply for a Navy Federal Credit Union credit card?
Apply on www.navyfederal.org. Check any pre-qualification tool first — it uses a soft inquiry that does not affect your credit score.
How do I activate a new Navy Federal Credit Union card?
See our step-by-step guide to activating a Navy Federal credit or debit card — online, in the app or by phone.
Who can join Navy Federal Credit Union?
Navy Federal membership is open to all branches of the military, veterans, Department of Defense employees and their immediate family members. You must be a member to hold a Navy Federal card, so confirming your eligibility is the first step before you look at its prequalification tool or apply.
Do Navy Federal cards charge foreign transaction fees?
No. Navy Federal says its cards have no fees for balance transfers or foreign transactions. That makes them useful for members stationed or traveling overseas, since you avoid the 3% charge many other cards add to purchases made abroad or with foreign merchants online.
Does Navy Federal have a secured card?
Yes. The cashRewards Secured card is built for members establishing or rebuilding credit. It earns 1% cash back on all purchases, has a $0 annual fee and carried an 18.00% variable APR when we checked. A refundable deposit secures the credit line.