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Navy Federal Credit Union has a suite of credit cards only available to its own members. One such card is the Navy Federal GO REWARDS® Card, a lifestyle card that rewards you for some of your most common purchases.
This card earns bonus points for dining and gas, has no annual fee, and there's no limit on how many points you can earn. Here's what you need to know about the Navy Federal Go Rewards Card.
- Get our GO REWARDS credit card, and get a 0.99% intro APR on purchases for the first 6 months from account opening. After that, a variable APR between 13.74% and 18.00% applies.
- Earn points on everyday spending: 3X points at restaurants, 2X points on gas, and 1X points on everything else. Points can be redeemed for cash, travel, gift cards, and merchandise.
- No annual, balance transfer, or foreign transaction fees.
- No limit on rewards earned, and rewards never expire as long as the account remains open.
- 3X points at restaurants
- 2X points on gas
- 1X points on everything else
Page Contents
- Navy Federal Go Rewards Card Pros
- Navy Federal Go Rewards Card Cons
- Navy Federal Go Rewards Card Welcome Bonus
- Navy Federal Go Rewards Card Benefits
- Navy Federal Go Rewards Card Earning Rates
- Redeeming Points With the Navy Federal Go Rewards Card
- Application Restrictions
- Cards That Compete With the Navy Federal Go Rewards Card
- Bottom Line
- No annual fee
- No foreign transaction fees, balance transfer fees, or cash advance fees
- Earn 3x points at restaurants, 2x points on gas, and 1x points on everything else
- No limit on rewards and no expiration as long as your account is in good standing
- You cannot transfer rewards to travel partners for better value redemptions
- Only eligible to those with a Navy Federal account, which has strict qualification requirements
There is no traditional welcome bonus offer for the Navy Federal Go Rewards Card; however, it features an introductory APR offer for new cardholders.
No annual fee
The Navy Federal Go Rewards Card has no annual fee. As a cardholder, you'll also enjoy no foreign transaction fees, balance transfer fees, or cash advance fees.
Collision damage waiver
As a cardholder of the Navy Federal Go Rewards Card (both the Visa and Mastercard versions), you'll receive a secondary auto rental collision damage waiver for rentals 15 days or less.
Points never expire
The points you earn with your Navy Federal Go Rewards Card won't expire as long as your account remains in good standing.
The Navy Federal Go Rewards Card earns 3x at restaurants, 2x at gas stations, and 1x on everything else. There's no limit to how many points you can earn. You can also take advantage of members-only deals through the shopping portal to earn up to 15 points per $1 spent.
Be sure the restaurants and gas stations where you use your card are coded correctly on your statement. Restaurants that are attached to hotels, gas stations that are attached to a grocery store, and big-box stores may not be coded as restaurant or gas spending. They may code as a hotel or grocery store, which means you won't earn bonus points.
The points you earn with your Navy Federal Go Rewards Card can be redeemed at a rate of 1 cent per point. Points can be redeemed for travel, cash back, gift cards, and merchandise.
If you're looking to maximize the value of your Navy Federal points, consider redeeming them for cash back or gift cards. That's because the cost of merchandise such as clothes or electronics might be higher through the bank's platform.
When it comes to travel, other cards grant more value per point either through their travel portal or when transferring to travel partners. Navy Federal points cannot be transferred.
Application Restrictions
Navy Federal credit cards are only available to Navy Federal Credit Union account holders. Account ownership is limited to active, retired, and veteran members of the U.S. Armed Forces and their families, and select employees and contractors of the U.S. Department of Defense.
You can have up to 3 Navy Federal Credit Cards at one time with no waiting period to receive your first card. You can only be approved for one card in a 90-day period, so you must wait at least three months before submitting another application if you don't want an automatic denial.
If you aren't sold on the Navy Federal Go Rewards Card, there are plenty of other options to consider.
- If you prefer to earn cash back from your credit card, check out the Navy Federal Visa cashRewards Card. Depending on the version you get approved for (the cashRewards or cashRewards Plus), you can earn up to 2% cash back on all purchases. There are no annual, foreign transaction, balance transfer, or cash advance fees.
- If you want to earn more for your travel purchases, then the Visa Signature® Flagship Rewards Card is the card for you. Although it comes with a $49 annual fee, you'll earn 3x on travel and 2x on everything else. Additional perks include a statement credit for an Amazon Prime membership and a Global Entry or TSA PreCheck application fee.
- If you don't mind an annual fee and want to earn even more flexible travel rewards, consider the Capital One Venture Rewards Credit Card. With a $95 annual fee, you'll earn an unlimited2 miles per dollar on every purchase, every day.. AwardWallet users redeem Capital One Miles at 2.04¢ per mile on average, over twice as much as Navy Federal Points, which can help offset the annual fee.
$0
- Earn unlimited 2% cash back with cashRewards Plus or unlimited 1.5% cash back with cashRewards. Network benefits vary by card.
$49
- 3x points on travel
- 2x points on everything else
$95
- 5X miles per dollar on purchases through Capital One Entertainment
- 5X miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel
- 2X miles per dollar on all other purchases
Bottom Line
The Navy Federal Go Rewards Card is a lifestyle card for Navy Federal Credit Union members that rewards them for some of their most common purchases. With 3x points at restaurants, 2x points on gas, and 1x points on all other purchases, you're well on your way to earning a good amount of points.
You can redeem your points in a variety of ways, making this card a good option for those who like points and cash back alike.
- Get our GO REWARDS credit card, and get a 0.99% intro APR on purchases for the first 6 months from account opening. After that, a variable APR between 13.74% and 18.00% applies.
- Earn points on everyday spending: 3X points at restaurants, 2X points on gas, and 1X points on everything else. Points can be redeemed for cash, travel, gift cards, and merchandise.
- No annual, balance transfer, or foreign transaction fees.
- No limit on rewards earned, and rewards never expire as long as the account remains open.
- 3X points at restaurants
- 2X points on gas
- 1X points on everything else
