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Credit Cards

What’s trending? Up to 2% cash back and $250 bonus

Get $250 bonus cash when you spend $2,500 in your first 90 days — plus a low intro rate for 12 months on balance transfers made in your first 60 days. Terms apply.

See offer details

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6 cards shown

Do you prequalify?

If you already bank with us, you can find out whether you prequalify before applying for a Navy Federal credit card.

  • Answer three quick questions.
  • We check your details without affecting your credit score.
  • See which card suits you best.

Prequalifying doesn’t guarantee approval. When you apply we also consider factors such as your monthly debt-to-income ratio.

Prequalify me

Business credit cards

Manage expenses, pay bills and get rewarded. Keep company spending cleanly separate from personal, with statements your accountant will thank you for.

  • No annual fee
  • Variable APR 16.65%–18.00%
  • Earn 1× points per dollar spent
Learn more

Every Navy Federal card offers

  • 24/7 help from a support team you can actually reach
  • Tap to pay for quick, secure purchases
  • No fees for balance transfers or foreign transactions
  • Free access to your credit score, any time

Partners in security

Keeping your card secure

  • Zero liability

    Your card is covered by our zero liability policy — you won't lose a penny to confirmed unauthorized transactions.

  • Freeze and unfreeze

    Misplaced your card? Freeze it in the app in a couple of taps so nobody else can use it, and unfreeze when it turns up.

  • Fraud notifications

    We'll flag suspicious activity as it happens so you can act quickly and keep the account secure.

Frequently asked questions

Yes. Whatever happens to the base rate, the variable APR on our consumer credit cards is capped at 18.00%. Your specific rate within the published range depends on your credit assessment at application.

Still have questions? Visit our credit card FAQs.