Navy Federal cashRewards Credit Card
Navy Federal Credit Union
Intro Offer
$250 Bonus Cash
Annual Fee
$0
Why We Choose It
Navy Federal's cashRewards cards pay a flat rate on every purchase with no annual fee: 2% on cashRewards Plus, issued with a credit limit of $5,000 or more, and 1.5% on cashRewards below that. The current offer is $250 bonus cash after $2,500 in purchases in 90 days. It suits a member who wants simple cash back without tracking categories.
Pros & Cons
Pros
- No annual fee
- Up to 2% cash back on all purchases with no rotating categories or caps
- No balance transfer, foreign transaction or cash advance fees
Cons
- The rate depends on your credit limit: 2% at $5,000 or more, 1.5% below that
- Navy Federal Credit Union membership is required
- 14.15% to 18.00% variable APR after the intro period
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