Credit union · NCUA insured
Navy Federal Credit Union Credit Card Rates
Top CarrotNavy Federal Credit Union credit cards start at 10.24% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Navy Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where Navy Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Navy Federal Credit Union
10.24%APR
- Up to
- 18.00% APR
Platinum
Lowest rate
American Broadcast Employees FCU
6.99%APR
- Up to
- —
2nd-lowest rate
IDB Global Federal Credit Union
7.00%APR
- Up to
- 18.00% APR
Navy Federal Credit Union credit card score
81
Credit card score
Higher than 56% of U.S. banks and credit unions
- Purchase APRPurchase APR10.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Navy Federal Credit Union ranks
By credit card score, in each area where it has branches
- #23 of 69Washington-Arlington-Alexandria, DC-VA-MD-WV metro48
- #10 of 25Virginia Beach-Chesapeake-Norfolk, VA-NC metro33
- #4 of 24San Diego-Chula Vista-Carlsbad, CA metro27
- #12 of 38Atlanta-Sandy Springs-Roswell, GA metro15
- #19 of 72Dallas-Fort Worth-Arlington, TX metro13
- #11 of 35Riverside-San Bernardino-Ontario, CA metro11
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Flagship Premier Visa Signature®
Variable APR for purchases, balance transfers, and convenience checks based on creditworthiness. Cash advance APR is 18.00%. Annual fee is $95.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 15.74%–18.00% | $95 | Variable APR for purchases, balance transfers, and convenience checks based on creditworthiness; tied to the U.S. Prime Rate. |
Sources (3)
- navyfederal.org/loans-cards/credit-cards.html
- navyfederal.org/loans-cards/cr…mier-visa-signature.html
- navyfederal.org/rates.html
All captured Oct 15, 2026
GO REWARDS®
Variable APR based on creditworthiness; tied to the U.S. Prime Rate. Annual fee is $0.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.49%–18.00% | None | Variable APR based on creditworthiness; tied to the U.S. Prime Rate. |
Sources (2)
All captured Oct 15, 2026
Navy Federal More Rewards American Express® Card
Variable APR based on creditworthiness; tied to the U.S. Prime Rate. Annual fee is $0.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.15%–18.00% | None | Variable APR based on creditworthiness; tied to the U.S. Prime Rate. |
Sources (2)
All captured Oct 15, 2026
Platinum
Variable APR based on creditworthiness; tied to the U.S. Prime Rate. No balance transfer fees. Annual fee is $0.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.24%–18.00% | None | Variable APR based on creditworthiness; tied to the U.S. Prime Rate. |
Sources (2)
All captured Oct 15, 2026
Visa Signature Flagship Rewards
Grandfathered / upgrade card. Annual fee increases to $95 effective Nov. 2, 2026. Variable APR ranges from 14.74% to 18.00% tied to the U.S. Prime Rate.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.74%–18.00% | None | Variable APR for purchases, balance transfers, and convenience checks based on creditworthiness; tied to the U.S. Prime Rate. Annual fee increases to $95 effective Nov. 2, 2026. |
Sources (1)
- navyfederal.org/loans-cards/cr…ds/flagship-upgrade.html · captured Oct 4, 2026
cashRewards & cashRewards Plus
Standard cashRewards (1.5% cash back) is issued for credit limits under $5,000; cashRewards Plus (2% cash back) is issued for credit limits of $5,000 or greater. Annual fee is $0.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.15%–18.00% | None | Variable APR based on product type and creditworthiness; tied to the U.S. Prime Rate. |
Sources (2)
All captured Oct 15, 2026
cashRewards Secured
Secured card designed for establishing or rebuilding credit. Variable APR tied to the U.S. Prime Rate. Annual fee is $0.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 18.00% | None | Variable APR based on creditworthiness; tied to the U.S. Prime Rate. |
Sources (2)
All captured Oct 15, 2026
Who can join Navy Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Department of Defense civilian personnel are eligible for membership, including DoD civilian employees, U.S. Government employees assigned to DoD installations, DoD contractors assigned to U.S. Government installations, and DoD civilian retirees and annuitants.
- Servicemembers in all branches of the armed forces—including Active Duty (Army, Marine Corps, Navy, Air Force, Coast Guard, National Guard, Space Force), Delayed Entry Program (DEP), DoD Officer Candidate/ROTC, DoD Reservists, as well as veterans, retirees, and annuitants—are eligible for membership.
Family and household
- Immediate family members (parents, grandparents, spouses, siblings, children including adopted and stepchildren, grandchildren) and household members of eligible persons are eligible for membership.
Cost to join
- A Membership Savings Account with a $5 minimum balance is required to establish and maintain membership.
Membership information collected October 4, 2026.