2017 RANKING & REVIEWS
TOP RANKING BEST NAVY FEDERAL CREDIT CARDS
Navigating Navy Federal Credit Cards
When it comes to selecting your next credit card, military members and those who have access to Navy Federal Credit Union may want to pay attention. The NFCU credit cards that they have to offer can definitely rival some of the top credit card offers in the industry.
Do you know how to navigate your way through the ins and outs of the various Navy Federal credit card programs? We know that you have a lot to consider: interest rates, annual fees, rewards programs, and more. You want to find the best Navy Federal credit card with the lowest rates and fees and the best rewards.
Award Emblem: Top 5 Best Navy Federal Credit Cards
We’ve compiled this list of the best Navy Federal credit card rewards, and their best overall credit cards to help you find your way. AdvisoryHQ wants you to be able to make the wisest and most informed decision regarding one of the largest financial decisions you can make.
So if you think you’re ready to take a closer look at the Navy Federal Credit Union credit cards, it’s time for you to examine our detailed Navy Federal credit card review in the upcoming sections.
AdvisoryHQ’s List of the Top 5 Best Navy Federal Credit Cards
List is sorted alphabetically (click any of the credit card names below to go directly to the detailed review section for that credit card):
- cashRewards Credit Card
- GO REWARDS® Credit Card
- Navy Federal Credit Union Platinum
- nRewards® Secured Credit Card
- Visa Signature Flagship® Rewards Credit Card
Top 5 Best Navy Federal Credit Cards | Brief Comparison & Ranking
Credit Card Names
cashRewards Credit Card
9.9% to 18.0%
GO REWARDS® Credit Card
9.74% to 18.0%
Navy Federal Credit Union Platinum
8.24% to 18.0%
nRewards® Secured Credit Card
9.24% to 18.0%
Visa Signature Flagship® Rewards Credit Card
10.24% to 18.0%
Waived first year, $49 after
Table: Top 5 Best Navy Federal Credit Cards | Above list is sorted alphabetically
What Are the Benefits of Navy Federal Credit Union Credit Cards?
When you’re trying to decide among the nearly infinite numbers of credit card companies, how can you tell which companies have the best offers? It helps to take a look at the features that come standard on any card.
In this particular instance, we are going to examine the features that come standard on all of the best Navy Federal credit cards.
Whether you’re interested in a Navy Federal secured credit card, a Navy Federal rewards card, or just a standard issue card with few frills, they all have a few features in common. Here are the most basic benefits that are inherent to each one of the NFCU credit cards:
- Various payment options
- 24/7 online access to your accounts
- No balance transfer fees
- Chip technology
Those basic functions will give you a few things that you can work with on your new NFCU credit card or NFCU secured credit card. However, they also feature great protection for you as a consumer.
You’ll have a zero liability policy for fraudulent transactions made on your Navy Federal Credit Union credit card.
Another unique feature standard to Navy Federal Credit Union credit cards is their payment protection plans. For a minimal fee (based on the amount of coverage you need and the amount borrowed), you can protect your payments in case of an emergency. They may even waive your payments all together in certain circumstances.
Plans are available for:
- Loss of life
- Loss of life and disability
- Loss of life, disability, and involuntary unemployment
These features are relatively standard among the various Navy Federal Credit Union credit cards. However, you can still find additional perks available on many of their Navy Federal rewards card choices. The specifics of the Navy Federal credit card rewards depend greatly on which program you are interested in.
AdvisoryHQ’s Selection Methodology
What methodology does AdvisoryHQ use in selecting and finalizing the credit cards, financial products, firms, services, and products that are ranked on its various top rated lists?
Please click here “AdvisoryHQ’s Ranking Methodologies” for a detailed review of AdvisoryHQ’s selection methodologies for ranking top rated credit cards, financial accounts, firms, products, and services.
Detailed Review – Top Ranking Best Navy Federal Credit Cards
Below, please find the detailed review of each credit card on our list of the Navy Federal Credit Union credit cards. We have highlighted some of the factors that allowed these NFCU credit cards to score so highly in our selection ranking.
cashRewards Credit Card Review
The cashRewards Credit Card offers a simple way to earn Navy Federal cash rewards for consumers who want low interest rates and a reasonable cash back bonus.
The cashRewards Credit Card features a cash back rewards program that doesn’t require spending across multiple categories in order to earn the best returns. This Navy Federal rewards card allows consumers to earn 1.5% cash back on each and every purchase. Even better, you won’t hit any particular ceiling on the rewards you can earn on this NFCU credit card.
Points are easily redeemed at any time once you start earning. You won’t need to wait for a specific amount before you can start to see results. However, you do have the right to hold onto your Navy Federal cash rewards for as long as you want with no expiration dates.
It’s even possible to earn additional cash back with these Navy Federal credit card rewards. When you shop through the Navy Federal Member Mall®, you can find exclusive deals and cash back bonuses for selected merchants. You may be able to earn up to 15% cash back per dollar spent, as well as find free shipping and discounts from various stores.
You’ll gain all of the standard benefits of the best Navy Federal credit cards in addition to earning money back on purchases you were already planning on making.
Rates and Fees
The interest rates on the cashRewards Credit Card are very low, even when compared to other best Navy Federal credit cards. You’ll find interest rates ranging from 9.9% to 18.0% APR. Those rates will apply to both new purchases and balance transfers.
In addition, there are no foreign transaction fees and no annual fees to worry about with this cashRewards Credit Card. This is truly a very simple program that allows cardholders to earn Navy Federal cash rewards quickly and easily without much added fuss or cost.
GO REWARDS® Credit Card Review
For a Navy Federal credit card that allows you to earn additional rewards points for categorical spending, you’ll enjoy the GO REWARDS® Credit Card. Low rates and a sizeable rewards program make this one of the best Navy Federal credit cards.
Source: GO REWARDS® Credit Card
You’ll love the generous rewards program inherent to the GO REWARDS® Credit Card. For consumers who have been searching for a top Navy Federal rewards card, they’ll love the one point per dollar spent base rate of the GO REWARDS® Credit Card. However, these Navy FCU credit cards can offer even more than that.
Consider the upgraded spending categories that most of us will shop at regardless: gas and dining. On all eligible gas purchases, you receive double the points. Dining purchases allow an even larger reward on these Navy FCU credit cards at triple the points.
Unfortunately, there is an expiration date on points earned through the GO REWARDS® Credit Card. Four years from the date earned, the points you accrued on this Navy Federal credit card will no longer be valid. Until then, you can start redeeming at 1,000 points with no limit as to how many you can earn.
For a limited time, you can score 20,000 bonus points when you spend $3,000 on your new NFCU credit card during the first 90 days. This is a great way to be able to redeem points as soon as your account is opened.
Rates and Fees
When you first open your account, you’ll receive an excellent introductory offer on your interest rates. All purchases and balance transfers will enjoy a 0% introductory APR for the first six months after you open your GO REWARDS® Credit Card account.
After this offer expires, you’ll face interest rates ranging from 9.74% to 18.0% APR on both balance transfers and purchases. No annual fees apply to this Navy Federal Credit Union credit card, making it an ideal choice for consumers who are worried about the cost of their new credit cards.
Navy Federal Credit Union Platinum Review
Some of the lowest rates around are included on this Navy Federal Credit Union Platinum card. You’ll enjoy a few upgraded benefits on an otherwise fairly basic Navy Federal Credit Union credit card.
The Navy Federal Credit Union Platinum doesn’t qualify as one of the Navy Federal rewards card options. Instead, it offers low rates and fees and just a smattering of upgraded features to entice consumers. What extra benefits will you find on this Navy Federal Credit Union credit card?
First, you receive access to a collision damage waiver on car rentals. This will cover both physical damage and theft to any auto rental that you make. It will be secondary to any other car rental insurance that is offered to you.
Travel and emergency assistance is also available. Adding this benefit to your Navy Federal credit card covers you in the event of countless situations:
- Medical referral
- Lost luggage locater service
- Prescription assistance
Depending on how frequently you travel, these services may be highly valuable to you.
You also have the opportunity to earn a small amount of cash back on this NFCU credit card when you shop through the Navy Federal Member Mall®. Most of the best Navy Federal credit cards allow you to enhance your cash back with these features, but with the Navy Federal Credit Union Platinum, you can simply earn something in return. Offers will vary, as will the rate of Navy Federal cash rewards.
Rates and Fees
The Navy Federal Credit Union Platinum does not offer any sort of introductory offers when it comes to interest rates on purchases or balance transfers. This is a very conspicuous absence, but this choice for the best Navy Federal credit card does boast some very low overall rates.
You can expect interest rates to range from 8.24% to 18.0% APR depending on your creditworthiness and other factors. These low rates can make the Navy Federal Credit Union Platinum an ideal candidate for transferring the balance off of your old high-interest credit card.
Fortunately, this Navy Federal credit card also has no annual fee.
nRewards® Secured Credit Card Review
Consumers searching for a Navy Federal Credit Union secured credit card will enjoy the nRewards® Secured Credit Card for the bonuses and security.
This Navy Federal Credit Union secured credit card features one point gained per dollar spent on all eligible purchases. This is a fairly generous offer on an NFCU secured credit card as you work to build up and polish your credit score.
You can earn unlimited rewards at this rate with redemption beginning at just 1,000 points. Save up your points to purchase gift cards or merchandise. While the “spending” opportunities might be limited for this Navy Federal Credit Union secured credit card, you can still make the most of what you are able to earn.
Points will not expire for four years, giving you plenty of time to save up for bigger ticket items or higher value gift cards.
In addition to the standard features available on all Navy Federal credit cards, the nRewards® Secured Credit Card also has a collision damage waiver on car rentals. This only applies when you use this NFCU secured credit card to pay for your purchase.
Rates and Fees
Because this is a Navy Federal secured credit card, it does require an upfront deposit to open an account (along with an application). You’ll be required to place at least $500 into a savings account to be held for the entire duration of your time using the nRewards® Secured Credit Card. The credit line will be equivalent to your deposit, ranging from $500 up to the amount that you are willing or able to put down.
Interest rates on these NFCU credit cards will range from 9.24% to 18.0% APR. You’ll enjoy these low rates as you practice making responsible payments again and again.
You’ll also love that these best Navy Federal credit cards offer no annual fees, giving you even more incentive to apply for one today.
Visa Signature Flagship® Rewards Credit Card Review
The Visa Signature Flagship® Rewards Credit Card offers some of the highest levels of rewards available among the best Navy Federal credit cards. Enjoy high rewards with nice introductory offers.
When you make the choice to use the Visa Signature Flagship® Rewards Credit Card, you automatically earn some of the highest cash back bonuses available from a Navy Federal Credit Union credit card. Instead of the base rate being equal to one point per dollar, your base rate automatically doubles. Each dollar spent on qualifying purchases will score you two points.
Not only is the reward program on this NFCU credit card ideal, but it also comes with several other perks that cardholders will love:
- Collision damage waiver
- Worldwide automatic travel accident insurance
- Travel and emergency assistance
If you travel often, these are nice features to keep in mind. It adds a layer of protection to your journeys with no additional cost to you.
Rates and Fees
The interest rates available on the Visa Signature Flagship® Rewards Credit Card are incredibly low, especially when you consider the Navy Federal credit card rewards program that it offers. You’ll find rates that range from 10.24% to 18.0% APR on both your purchases and your balance transfers.
Additionally, there is an introductory offer that waives your annual fee during the first year. Annual fees will clock in at $49 for every additional year.
Conclusion—Top 5 Best Navy Federal Credit Cards
These NFCU credit cards will easily become your new favorite addition to your wallet. These best Navy Federal credit cards feature a combination of low rates, minimal annual fees, and very generous rewards programs that allow you to flexibly earn cash back, gift cards, merchandise, and more.
Image source: Wisebread
If you have a military affiliation that allows you to make use of one of these Navy FCU credit cards, you should highly consider these options. From a standard Navy Federal credit card to a Navy Federal secured credit card to a Navy Federal rewards card, you’ll have no shortage of options.
The correct card for each consumer is going to be different, depending on your needs and preferences. While you may prefer a basic NFCU credit card, your closest friend may be far more focused on a Navy Federal credit card that offers rewards.
Weigh the options found with these best Navy Federal credit cards to determine which one suits your needs (and your credit) the best. Our Navy Federal credit card review will make light work of your research.
AdvisoryHQ (AHQ) Disclaimer: Reasonable efforts have been made by AdvisoryHQ to present accurate information, however all info is presented without warranty. Review AdvisoryHQ’s Terms for details. Also review each firm’s site for the most updated data, rates and info. Note: Firms and products, including the one(s) reviewed above, may be AdvisoryHQ's affiliates. Click to view AdvisoryHQ's advertiser disclosures.
AdvisoryHQ (AHQ) Disclaimer:
Reasonable efforts have been made by AdvisoryHQ to present accurate information, however all info is presented without warranty. Review AdvisoryHQ’s Terms for details. Also review each firm’s site for the most updated data, rates and info.
Note: Firms and products, including the one(s) reviewed above, may be AdvisoryHQ's affiliates. Click to view AdvisoryHQ's advertiser disclosures.