Navy Federal · Visa Signature · Personal
Navy Federal cashRewards Plus
A no-annual-fee card earning cash back: 2× on everything.
- Annual fee
- $0No annual fee
- Signup bonus
- $250Spend $2,500 on purchases
- Top rate
- 2×All Other
- Point value
- 1¢Cash back, a cent a point
Year one and year two
Is it worth it for you?
Tick the credits you’d really use and enter what you spend. The ledger adds up the bonus, your points and the credits, less the fee.
| Line | Year one | Year two |
|---|---|---|
| Signup bonus cash · spend $2,500 on purchases in the first 90 days from account opening | $250 | – |
| Cash back on your spend Enter your spending | $0 | $0 |
| Credits you’d use No statement credits listed | $0 | $0 |
| Annual fee No annual fee | $0 | $0 |
| NetYear one includes the bonus · at your inputs · our estimates* | $250 | $0 |
The bonus needs $2,500 on purchases in the first 90 days from account opening.
Earning structure
1 category, 1 rate
| Icon | Category | Points per $1 | Worth per $100 (our estimate)* |
|---|---|---|---|
| All Other | 2× | $2.00 |
The rest of the card
Details, rules and benefits
Card details
- Annual fee
- None
- Card type
- Personal
- Network
- Visa Signature
- Bank
- Navy Federal
- Point system
- Cash back
- Foreign transaction fee
- None
- Transfer partners
- No
- Travel portal redemption
- No
- Cash to travel
- No
Application rules2
- Navy Federal Membership
Requires a Navy Federal Credit Union account which is open to active duty, retired, and veteran members of the military, Department of Defense employees, and their families.
- NFCU 91/3
Requires members to wait 91 days from their last credit card approval and have three full billing statements before applying for a new personal unsecured credit card or requesting a credit limit increase (CLI). After the first CLI, subsequent CLIs require a 182-day wait from the last CLI approval, without the statement requirement. This policy ensures responsible credit usage before granting additional credit.
Alternatives
Head to head with similar cards
 Navy Federal cashRewards Plus |  Navy Federal cashRewards |  Navy Federal GO REWARDS |  AAFES Military Star | |
|---|---|---|---|---|
| Annual fee | $0 | $0Same | $0Same | $0Same |
| Signup bonus | $250 | $250 | None | None |
| Top rate | 2×All Other | 1.5×All Other | 3×Dining | 2×All Other |
| Travel value * | –Cash back | –Cash back | 1¢Flagship Rewards | –Cash back |
| Why it’s here | This card | Also no annual fee | Also no annual fee | Also no annual fee |
* Point valuations are RICH with POINTS™ editorial estimates, averaged from published valuations by The Points Guy, Upgraded Points, and Frequent Miler. They are not issuer figures and do not represent guaranteed redemption value.
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