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Cashback Card

Make the most of every purchase with up to 2% cash back

Earn $250 bonus cash when you spend $2,500 within 90 days of opening your account.

Transfer a balance within your first 60 days and you could save with a 1.99% intro rate for 12 months from account opening. After that a variable APR between 14.15% and 18.00% applies. Plus, no transfer fees. See offer details.

  • Up to 2% cash back on all purchases
  • No annual fee
  • No rotating spend categories
  • No caps on the rewards you earn
Apply now

  • Rates

    Purchase & balance transfer variable APR between

    14.15% to 18.00%

    Terms & conditions

  • Fees

    • No annual fee
    • No balance transfer fees
    • No foreign transaction fees
    • No cash advance fees

  • Rewards

    • Unlimited 2% cash back on all purchases with Cashback Plus
    • Unlimited 1.5% cash back on all purchases with Cashback
    • You'll get a Cashback card at 1.5% if your limit is under $5,000, or Cashback Plus at 2% if it's $5,000 or more

Program description

Cashback program descriptionCashback Plus program description

This card is best for…

  • Everyday spenders

    If most of your spending is groceries, fuel and the weekly shop, a flat rate on everything beats chasing categories.

  • People consolidating a balance

    A low intro rate on balance transfers in your first 60 days, and no transfer fee to move it across.

  • Anyone who hates admin

    No quarterly activation, no spending caps and no expiry on what you earn while the account is open.

Frequently asked questions

Cash back accrues on every eligible purchase as it settles and is credited to your account monthly. You can take it as a statement credit or transfer it to a Navy Federal checking or savings account.

Ready to earn on every purchase? Apply for the Cashback Card.