Navy Federal Credit Union credit cards are known for low annual fees (usually $0), attractive rewards and only being available to members of the military community. The best Navy Federal credit cards also require good or excellent credit for approval, but if you want to build credit, there are some good options for people with bad to fair credit as well.

August 4, 2026 - We ranked #2 for customer experience among credit card issuers in Forrester’s 2024 US CX Index™ Survey.Footnote [17] ... “Navy Federal has been our choice for over 30 years.

See what our members have to say about our card that's perfect for building or repairing credit.

July 15, 2026 - A balance transfer can make your payments simpler—and a Platinum card can help you save on them. Get a 0.99% intro APR for 12 months from account opening on balances transferred within your first 60 days. You'll also pay no balance transfer fees. After that, a variable APR between 10.24% and 18% applies.Footnote [1] Expires on Jan. 03, 2027 ... WalletHub® rated Navy Federal Credit Union’s Platinum credit card as one of 2026’s Best Credit Cards With No Balance Transfer Fees.Footnote [2]

See what our members have to say about our card that gives you more points for your everyday purchases.

See what our members have to say about the card that gives you cash back on every purchase.

WalletHub recognized Navy Federal Credit Union’s cashRewards Plus credit card as one of 2026’s best 2% cash back credit cards.

May 20, 2026 - Navy Federal Credit Union Credit Cards - Read unbiased reviews of Navy Federal Credit Union.

June 10, 2023 - Navy Federal also hit me with a 25k but it was the platinum card, no rewards, but my apr was 8.99 but has gone up to 10% now, pretty sure it will be going up soon ... Do a product change to any other card if you want rewards. If you travel a lot, I'd recommend the Flagship with 3x the points ...

July 2, 2026 - The Navy FCU cashRewards Secured Credit Card* is ideal for those looking to establish or build credit. Shortly after making an initial opening deposit between $200 and $5,000, NFCU will review your account in as soon as three months to see if you qualify for a higher credit limit, without having to deposit any additional funds.

2 weeks ago - The Navy Federal Credit Union® Platinum Credit Card doesn't offer any rewards. Read full review

This card is amazing! You can gain reward points as well as build a strong relationship with Navy Federal. I highly recommend this card.T. Moore ” ... Love this credit card; thank you for giving me a chance to build credit.

January 21, 2019 - The entire process took less than 20 minutes. My heart was shaking when I read the approval page. This is my highest CL, by far. Majority of my cards are $5k and one that is $7k. All of my buddies kept saying Navy Federal was a great credit union and now I definitely believe them.

I then shopped for what seemed to be an hour at their credit cards and what all they offered, i went ahead and filled out the application for this card and hit submit, within 30 seconds i was approved with a $10,000 credit limit and a rate of 7. 99%!!! , colo, wanderer, meya, everyone, thanks so much for all your support! They did a hard pull on equifax 654 score. Title: GOT IT.... Date Reviewed: 2010-10-04 22:32:56 | Recommended?: Yes Review: I have been a navyfed savings acct holder for over 6 years (received membership since my bro was in the marines).