Navy Federal Credit Union
The largest credit union in the world, serving active duty, veterans, DoD employees and their families. Known for huge credit limits, low APRs, and rewards cards that punch far above their fee. Membership extends to household and family members of anyone eligible.
Application Rules
- ▸Membership required before applying: military, veterans, DoD civilians, and their family or household members
- ▸Informal cap of 3 Navy Federal personal credit cards per member
- ▸Forgiving of thin or rebuilding credit files, and famously generous with credit limits
Tracked Navy Federal Credit Union Cards
VisaFlagship Rewards
Personal · $49 AF
Navy Federal Visa Signature Flagship RewardsNavy Federal Credit Union
Military-grade travel rewards with a $49 fee and a free year of Amazon Prime.
35,000 pts bonus (≈$350)AF: $49Rating: 7.8/10
VisacashRewards
Personal · No AF
Navy Federal cashRewardsNavy Federal Credit Union
Up to 2% flat cash back with credit-union APRs and no fee.
$250 bonus (≈$250)AF: $0Rating: 7.4/10
American ExpressMore Rewards
Personal · No AF
Navy Federal More Rewards American ExpressNavy Federal Credit Union
3x on groceries, dining, gas and transit with no annual fee.
30,000 pts bonus (≈$300)AF: $0Rating: 7.9/10
MastercardnRewards Secured
Personal · No AF
Navy Federal nRewards SecuredNavy Federal Credit Union
A secured card that earns rewards and graduates you in months, not years.
Special bonusAF: $0Rating: 7.6/10