- Intro Bonus
- Earn $250 cash backFrom 4/1/2025 through 1/1/2026, 1.99% intro APR for 12 months on balances transferred from non-Navy Federal credit card within 60 days of account opening & $250 cash back when you spend $2,500 within 90 days of account opening.
- Reward Rates
- Up to 2% cash backEarn 1.5% cash back on all purchases. Redeem as soon as you earn. If eligible, you could receive 2% cashback with the new cashRewards Plus card.
- Balance Transfers Intro APR
- 1.99% intro APR for 12 months from account opening on balances transferred within 60 days. After that, a variable APR between 14.90% and 18.00% applies.*
- Purchases Intro APR
- N/A
- Regular APR
- 14.90% - 18.00% Variable APR
- Annual Fee
- $0
Highlights
- From 4/1/2025 through 1/1/2026, 1.99% intro APR for 12 months on balances transferred from non-Navy Federal credit card within 60 days of account opening & $250 cash back when you spend $2,500 within 90 days of account opening.
- Earn 1.5% cash back on all purchases. Redeem as soon as you earn. If eligible, you could receive 2% cashback with the new cashRewards Plus card.
- No annual fees, no balance transfer fee, no foreign transaction fees, no cash advance fees.
- Start redeeming rewards as soon as you earn them.
- No rewards limit and no rewards expiration while account is open.
- *If you transfer a balance, interest will be charged on purchases made with your credit card unless your purchases have a 0% APR or you pay the entire balance (including any transferred balances) in full each month by the payment due date.