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Navy Federal GO REWARDS® Credit Card card

Navy Federal GO REWARDS® Credit Card

By the Best Credit Cards Guide editorial team · Information from the original card page, updated May 28, 2025

Annual fee
None
Recommended credit
Excellent / Good / Fair
Card network
Visa
Regular purchase APR
13.99% to 18.00% variable based on creditworthiness and the Prime Rate
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Check before you apply: the rates, fees and offers on this page are as listed on the original card page (updated May 28, 2025) and may have changed. Confirm current terms on the issuer’s website. Best Credit Cards Guide may be compensated by some issuers; see our Advertiser Disclosure.

At a glance

The Navy Federal GO REWARDS® Credit Card is a great rewards card that earns 3x points at restaurants, 2x points on gas, and 1x points for everything else. The card is an excellent option for those who are looking to earn handsome rewards for their everyday purchases, but don’t want to pay high-interest rates should they carry a balance. The card has no annual fee, no foreign transaction fees, and the comprehensive protections and member perks people have come to know and expect from a Visa Signature card.

Our review of the Navy Federal GO REWARDS® Credit Card

If you’re looking for a credit card that rewards your everyday spending, the Navy Federal GO REWARDS® Credit Card is worth considering. This Visa rewards card offers 3 points for every dollar spent at restaurants, 1 point for every dollar spent on gas, and 1 point for all other purchases.

Ideal for Navy personnel and their families, the Navy Federal GO REWARDS Visa Card provides a generous points system that can be redeemed for travel, merchandise, gift cards, or cashback. Plus, as a Visa Signature card, members can enjoy perks like 24/7 access to the Signature Concierge service for dinner reservations, event tickets, and gift ideas, as well as shopping and travel discounts.

With a competitive APR for those with excellent credit scores, the Navy Federal GO REWARDS Card stands out for its low fees, including no annual fee, foreign transaction fees, balance transfer fees, or cash advance fees. This makes it a solid choice for those looking to earn rewards without breaking the bank.

Overall, if you frequently dine out, spend on gas, and prefer a low APR, the Navy Federal GO REWARDS Card could be the right fit for you. Check out other Navy Federal Credit Union offers to find the best option for your financial needs.

Card features

Benefits as listed on the original card page. They can change; confirm details with the issuer.

  • Earn 3X points per dollar spent at restaurants
  • Earn 2X points per dollar spent on gas
  • 1X point per dollar spent on everything else
  • No annual fee
  • Earn 15,000 points (a $150 value) after you spend $1,000 within 90 days of opening an account

Who this card may suit

  • You're a member of the Naval Federal Credit Union
  • You want to be rewarded for making everyday purchases
  • You frequently purchase gasoline with a credit card
  • You don’t want to pay an annual fee or foreign transaction fees
  • You want a special promotional APR on purchases and 15,000 bonus points soon after you open an account

Rates, fees and terms

Rates, fees and terms as listed on the original card page (updated May 28, 2025). Confirm current terms on the issuer’s site.
Annual FeeNone
Regular Purchase APR13.99% to 18.00% variable based on creditworthiness and the Prime Rate
Intro Balance Transfer APR0.99% for 6 months from account opening date
Balance Transfer APR13.99% to 18.00% variable based on creditworthiness and the Prime Rate
Cash Advance APR15.99% to 20.00% variable based on the Prime Rate
Cash Advance Transaction FeeNone if performed at a Navy Federal branch or ATM. Otherwise, up to $1 for ATM Cash Advance
Penalty APR18%
Late Payment Penalty Fee: Up to $20
Return Payment Penalty Fee: Up to $20

Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit Fair Credit.

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Navy Federal GO REWARDS® Credit Card

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Annual fee
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Recommended credit
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Intro APR
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