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cashRewards Plus

Navy Federal Credit Union

Top-25 issuerNationalVariable · PrimeNo credit scoreCredit score 619 or lessCredit score 620–719Credit score 720+
Issuer site ↗
Purchase APR
14.40–18%
Annual fee
None
0% intro
None
0% transfer
1.99%
Foreign fee
None
Grace period
25 days

Purchase APR by credit tier

Median rate the issuer reported for each tier

No score
18%
≤619
18%
620–719
18%
720+
18%
Lowest offered14.40%
Median18%
Highest offered18%

Balance transfer APR

Promotional window: 12 months

The transfer rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered1.99%
Median1.99%
Highest offered1.99%

Cash advance APR

The cash advance rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered18%
Median18%
Highest offered18%

Every fee on this card

Annual feeNone
Balance transfer feeNone
Cash advance feeNone
Foreign transaction feeNone
Purchase transaction feeNone
Late fee$20
Repeat late fee (6 mo)$20
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Non Navy Federal Domestic ATM Fee$0.50
Non Navy Federal International ATM Fee$1

Rewards, benefits and features

Rewards
  • Cashback rewards
Services
  • Automobile rental insurance
  • Other
Features
  • Contactless Payments
  • Chip card
  • Fee-free foreign transactions
  • Mobile wallet provisioning (for example, Apple Pay)

Who can get this card

AvailabilityNational
Membership requirementsYes
RequirementOther. Please Describe:
Phone(888) 842-6328
Balance transfer calculator
Stay put — 12 mo at 24%$600
Transfer fee (0%)$0
Promo interest at 1.99%$49.75
You save$550.25

Assumes you pay the balance down evenly across the 12-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 18.00% afterwards.

Cost to carry a balance
Interest for a year at 18.00%$540
Annual / periodic fees$0
Total yearly cost$540

Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 25-day grace period avoids the interest entirely.

Cardholder agreements

1 document filed by Navy Federal Credit Union in the 2026 Q1 archive.

More from this issuer