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Navy Federal GO REWARDS® Credit Card
Navy Federal

Navy Federal GO REWARDS® Credit Card

A no-annual-fee cash back card from Navy Federal.

Cash back only
Annual fee
No annual fee
Welcome bonus
No standing welcome bonus (intro APR offer instead)
Min spend
N/A
Recommended credit
Good (670+)
Network
Mastercard
Foreign transaction fee
None
Apply on Navy Federal site7.1/10Our rating · review ›

Rates, fees, and full terms are set by Navy Federal and can change. See current rates & fees on the issuer’s site, and always confirm the latest terms before applying.

Before you apply: credit card application and welcome-bonus rules →
Offer last verified July 24, 2026. How we verify.

Is this card right for you?

✓ Best for

people who spend heavily on dining and gas.

⚠ Think twice if

your spending is spread evenly, where a flat-rate card would likely earn you more.

Earning rates

3x points at restaurants
2x points at gas stations
1x point on all other purchases

Best ways to earn & redeem

Put your dining and gas spending on this card to earn at its highest rates, and let a different card handle the categories it does not bonus.

When you cash in, take the rewards as cash back or a statement credit, worth a flat 1 cent each. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.

Features & benefits

No annual fee and no foreign transaction fee
Requires Navy Federal membership (military affiliation)

Alternatives to the Navy Federal GO REWARDS® Credit Card

Pairs well with

The Navy Federal GO REWARDS® Credit Card earns the most in its bonus categories, so pair it with a no-fee flat-rate card to cover everything it only earns a base rate on.

How does it rank for your spending?

Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the Navy Federal GO REWARDS® Credit Card lands.

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