Best Navy Federal Credit Union Cards of October 2022 - NerdWallet Advertiser disclosure

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Best Navy Federal Credit Union Cards of October 2022

NerdWallet Mar 30, 2022 Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money. With over 8 million members, Navy Federal is the nation's largest credit union, and its mission is to provide financial products to those who have served our country. Its membership is restricted to current or former members of the military, current or former employees of the Department of Defense or DOD contractors, or immediate family members of someone who fits the criteria. Navy Federal's roster of credit cards includes some standout features, including no foreign transaction fees, no balance transfer fees and rewards that never expire. Read on to see our picks for best-in-class. With over 8 million members, Navy Federal is the nation's largest credit union, and its mission is to provide financial products to those who have served our country. Its membership is restricted to current or former members of the military, current or former employees of the Department of Defense or DOD contractors, or immediate family members of someone who fits the criteria. Navy Federal's roster of credit cards includes some standout features, including no foreign transaction fees, no balance transfer fees and rewards that never expire. Read on to see our picks for best-in-class.Show summary

NerdWallet' s Best Navy Federal Credit Union Cards of October 2022

Navy Federal Credit Union More Rewards American Express Credit Card: Best for Everyday spendingNavy Federal Credit Union cashRewards Credit Card: Best for Flat-rate cash backNavy Federal Credit Union Visa Signature Flagship Rewards Credit Card: Best for Travel cardNavy Federal Credit Union Platinum Credit Card: Best for Low interestNavy Federal Credit Union nRewards Secured Credit Card: Best for Poor credit

Best Navy Federal Credit Union Cards

Credit cardNerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.Annual feeIntro APRRegular APRLearn more Navy Federal Credit Union More Rewards American Express Credit CardRead review 4.8/5 Best for Everyday spending$0N/A11.90%-18.00% Variable APRRead review Navy Federal Credit Union cashRewards Credit CardLearn more 3.8/5 Best for Flat-rate cash back$01.99% intro APR on Purchases for 6 months11.90%-18.00%, VariableLearn more Navy Federal Credit Union Visa Signature Flagship Rewards Credit CardRead review 4.3/5 Best for Travel card$49N/A12.24%-18.00%, VariableRead review Navy Federal Credit Union Platinum Credit CardRead review 4.3/5 Best for Low interest$00.99% intro APR on Balance Transfers for 12 months8.24%-18.00%, VariableRead review Navy Federal Credit Union nRewards Secured Credit CardRead review 5.0/5 Best for Poor credit$0N/A18.00%, VariableRead review Our pick for Everyday spendingRead review

Navy Federal Credit Union More Rewards American Express Credit Card

4.8NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.Read reviewAnnual fee$0Intro APR N/ARegular APR 11.90%-18.00% Variable APRRecommended Credit Score630850average - excellentSee your approval oddsSee your approval odds A credit score in or above the recommended range means you have a higher chance of approval, but doesn’t guarantee it. Use this link to create an account and connect your credit score with TransUnion to get an estimate of your approval odds based on your credit score and other factors. Read more.Why We Like It Pros & Cons Product Details For an annual fee of $0, the Navy Federal Credit Union More Rewards American Express Credit Card is ideal for rewards-hungry households that rack up big bills on groceries, gas, dining and transit. For an annual fee of $0, the Navy Federal Credit Union More Rewards American Express Credit Card is ideal for rewards-hungry households that rack up big bills on groceries, gas, dining and transit. Pros For busy households, the Navy Federal Credit Union More Rewards American Express Credit Card offers triple points back on groceries, gas, dining and transit. All other purchases earn 1 point. The card also grants discounts on car rentals and at select restaurants. Terms apply. Cons American Express may not be as widely accepted internationally as Visa and Mastercard. If you do most of your shopping at warehouse clubs or discounters, you won't earn the elevated rewards rate.Read full review Get our Navy Federal More Rewards American Express Card, and you can earn 20,000 bonus points (a $200 value) when you spend $2,000 within 90 days of account opening. Expires on Jan. 02, 2023. 3X points at restaurants and on food delivery 3X points at supermarkets 3X points on gas and transit 1X points on everything else No annual fee Our pick for Flat-rate cash backLearn more

Navy Federal Credit Union cashRewards Credit Card

3.8NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.Learn moreAnnual fee$0Intro APR 1.99% intro APR on Purchases for 6 monthsRegular APR 11.90%-18.00%, VariableRecommended Credit Score630850average - excellentSee your approval oddsSee your approval odds A credit score in or above the recommended range means you have a higher chance of approval, but doesn’t guarantee it. Use this link to create an account and connect your credit score with TransUnion to get an estimate of your approval odds based on your credit score and other factors. Read more.Why We Like It Pros & Cons Product Details The fuss-free Navy Federal Credit Union cashRewards Credit Card comes with a decent rewards rate on all eligible purchases and some nice extras, too. The fuss-free Navy Federal Credit Union cashRewards Credit Card comes with a decent rewards rate on all eligible purchases and some nice extras, too. Pros Earn a solid, straightforward 1.5% cash back on your purchases or earn up to 1.75% in cash back when you open a bank account with Navy Federal and set up direct deposits. Rewards redeem as soon as you earn them, as a statement credit or to your Navy Federal bank account. During the application process, you can choose to have either a Visa or a Mastercard as the payment network. Each comes with perks specific to the brand. Cons Depending on your spending patterns, other cards may ultimately help you earn more back. If you’re seeking a 0% intro APR offer, look elsewhere.Read full review Get a cashRewards credit card, and you could save with a 1.99% intro APR for 6 months from account opening on purchases. After that, a variable APR between 11.90% and 18% applies. Plus, earn $100 bonus cash back when you spend $2,000 within 90 days of account opening. Expires on Oct. 31, 2022. Up to 1.75% cash back on all purchases Start redeeming rewards as soon as you earn them No annual fees No balance transfer fee No foreign transaction fees No cash advance fees Our pick for Travel cardRead review

Navy Federal Credit Union Visa Signature Flagship Rewards Credit Card

4.3NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.Read reviewAnnual fee$49Intro APR N/ARegular APR 12.24%-18.00%, VariableRecommended Credit Score690850good - excellentSee your approval oddsSee your approval odds A credit score in or above the recommended range means you have a higher chance of approval, but doesn’t guarantee it. Use this link to create an account and connect your credit score with TransUnion to get an estimate of your approval odds based on your credit score and other factors. Read more.Why We Like It Pros & Cons Product Details This card allows users to rack up travel rewards quickly for a relatively low cost of ownership. It also offers some perks typically found on cards with higher annual fees. This card allows users to rack up travel rewards quickly for a relatively low cost of ownership. It also offers some perks typically found on cards with higher annual fees. Pros For an annual fee of $49, you'll earn triple points on travel, but also double points on all other spending, making it a great choice for everyday spending, too. Plus get a generous sign-up bonus: Earn 35,000 points (a $350 value) when you spend $4,000 within 90 days of opening your account. Plus, if you purchase an Amazon Prime membership, Navy Federal will reimburse the cost ($139 value). If you already have Prime, renew your annual membership with the Flagship card, and Navy Federal will credit your account. Expires October 31, 2022.. Get a statement credit for Global Entry or TSA Precheck application fees, up to $100 once every four years, plus other travel perks such as travel and accident insurance and auto rental coverage. Cons There's no premium lounge access, free-checked-bag perks or any of the high-end extras that come with pricier travel credit cards. Generally, you'll have to book your travel plans through Navy Federal's Rewards Service Center, which could be limiting.Read full review Get a Flagship credit card and you could earn 35,000 bonus points (a $350 value) when you spend $4,000 within 90 days of opening your account. Plus, you’ll get a year of free Amazon Prime (a $139 value)—on us. Expires on Oct. 31, 2022. 3X points on travel 2X points on everything else Receive statement credits (up to $100) for Global Entry or TSA Pre√ Our pick for Low interestRead review

Navy Federal Credit Union Platinum Credit Card

4.3NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.Read reviewAnnual fee$0Intro APR 0.99% intro APR on Balance Transfers for 12 monthsRegular APR 8.24%-18.00%, VariableRecommended Credit Score690850good - excellentSee your approval oddsSee your approval odds A credit score in or above the recommended range means you have a higher chance of approval, but doesn’t guarantee it. Use this link to create an account and connect your credit score with TransUnion to get an estimate of your approval odds based on your credit score and other factors. Read more.Why We Like It Pros & Cons Product Details This card offers a trio of coveted "zeroes": a $0 annual fee, a 0% intro APR offer for balance transfers, and $0 in balance transfer fees. And if you typically carry a balance on your credit card, you also may be eligible for a low ongoing APR. This card offers a trio of coveted "zeroes": a $0 annual fee, a 0% intro APR offer for balance transfers, and $0 in balance transfer fees. And if you typically carry a balance on your credit card, you also may be eligible for a low ongoing APR. Pros For those who qualify, this card offers one of the lowest ongoing APRs on the market: 0.99% intro APR on Balance Transfers for 12 months, and then the ongoing APR of 8.24%-18.00%, Variable APR. Cardholders also get travel and emergency assistance, extended warranty service and collision damage waiver coverage. Cons The Navy Federal Credit Union Platinum Credit Card doesn't offer any rewards. Read full review Transfer your non-Navy Federal balances within 60 days of getting a Platinum card, and you'll pay 0.99% intro APR on the balance transfer for 12 months from account opening. After that, a variable APR between 8.24% and 18% applies. Expires on Jan. 02, 2023. No annual fees No balance transfer fees No foreign transaction fees Our pick for Poor creditRead review

Navy Federal Credit Union nRewards Secured Credit Card

5.0NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features.Read reviewAnnual fee$0Intro APR N/ARegular APR 18.00%, VariableRecommended Credit Score300689poor - averageSee your approval oddsSee your approval odds A credit score in or above the recommended range means you have a higher chance of approval, but doesn’t guarantee it. Use this link to create an account and connect your credit score with TransUnion to get an estimate of your approval odds based on your credit score and other factors. Read more.Why We Like It Pros & Cons Product Details Secured credit cards are for building or repairing credit, but this card offers rewards, too, along with some perks not typically found on cards in its class. Secured credit cards are for building or repairing credit, but this card offers rewards, too, along with some perks not typically found on cards in its class. Pros You'll earn 1 point per $1 spent. You'll also get an automatic review of your account starting at six months to see whether you can graduate to an unsecured card. As a nice extra, it offers collision damage waiver coverage. Cons The minimum required opening deposit is $200, which may be a barrier for some. The ongoing APR is 18.00%, Variable APR. If you think you'll need to carry a balance, other secured cards may offer a lower rate.Read full review 1X point per dollar spent No annual fees No balance transfer fees No foreign transaction fees No cash advance fees Last updated on March 30, 2022

Methodology

NerdWallet's credit cards team selects the best credit cards in each category based on overall consumer value. Factors in our evaluation include fees, promotional and ongoing APRs, and sign-up bonuses; for rewards cards, we consider earning and redemption rates, redemption options and redemption difficulty. A single card is eligible to be chosen as among the "best" in multiple categories. Learn how NerdWallet rates credit cards.

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