cashRewards Credit Card
For Navy Federal members who want flat cash back with no annual fee. Every purchase earns 1.5%, or 2% if your approved credit limit is $5,000 or more (the cashRewards Plus version). New accounts can earn $250 after $2,500 in 90 days, and there are no foreign transaction or balance transfer fees. The caveat: you must be a Navy Federal member, which is open to the military, veterans, Department of Defense employees and their immediate family members.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Flat rate with no rotating categories or caps
- No foreign transaction fees
- No balance transfer fee
- No cash advance fee at Navy Federal branches or ATMs
- Late payment fee up to $20.00
- Annual fee: $0
- Regular purchase APR: 14.15% to 18.00% Variable
- Intro balance transfer APR: 1.99% for 12 months from account opening on balances transferred within the first 60 days
- Balance transfer fee: None
- Cash advance APR: 18.00%
- Cash advance fee: None if performed at a Navy Federal branch or ATM. Otherwise, $0.50 per domestic transaction or $1.00 per foreign transaction
- Penalty APR: 18.00%
- Late payment fee: Up to $20.00
- Foreign transaction fee: None
- Rates and offers verified on the issuer's website on September 30, 2026 and may change.
- You are a Navy Federal member and want one simple cash back card.
- Your credit could earn a limit of $5,000 or more, which moves you to 2% cash back.
- You travel abroad and want no foreign transaction fee.
- You should skip it if you are not eligible for Navy Federal membership: only members can hold the card.
Score guess
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Drag the dial to your best guess. Then see which cards people around that score got approved for.
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Your guess: 700
Approved at 670 to 739
Approval results for this card
186 results: 177 approved, 9 denied. Approval rate 95% of decided applications.
| Result | Score | Bureau | Income | State | Applied |
|---|---|---|---|---|---|
| Approved | 580 to 669 | TransUnion | $150k and above | CT | Dec 2025 |
| Approved | 670 to 739 | TransUnion | $50k to $75k | OH | Apr 2024 |
| Approved | 670 to 739 | Not sure | $50k to $75k | FL | Aug 2021 |
See all 186 results · Add your result
Reported by Banrox readers or cited from public data points, never issuer data. Not a prediction of your result. Ranges only.