VisaNavy Federal cashRewards
Up to 2% flat cash back with credit-union APRs and no fee.
Welcome Bonus
$250
≈$250 value
Spend Requirement
$2,500
in 3 months
Annual Fee
$0
No FTF
Credit Score
650+
(Fair-Good)
Current offer note: $250 cash back, offer runs through 6/30/2026
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-06-10 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 2xAll purchases (cashRewards Plus, $5,000+ credit limit)
- 1.5xAll purchases (standard cashRewards)
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Automatic 2% rate when approved with a $5,000+ limit (cashRewards Plus)
- ✦No foreign transaction fees
- ✦Cell phone protection
- ✦Forgiving underwriting for thinner military credit files
Why it earns its spot
- +2% flat with no fee if you land the Plus version
- +$250 bonus on just $2,500 spend is generous for a no-fee card
- +No FTF makes it deployment-friendly
Where it costs you
- −Standard version is only 1.5%, and the tier is set at approval
- −Navy Federal membership required
- −The old 1.75% direct-deposit boost was retired in 2024
The Compound Verdict
A legit 2% card hiding inside a credit union, with a bonus most no-fee cards cannot match. The catch is the two-tier structure: under a $5,000 limit you get 1.5% and there is no upgrade button. Strong pick for anyone already banking with Navy Federal.
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