Navy Federal Credit UnionNationwide

More Rewards

No annual fee

Purchase APR: 14.4%–18% APR
Foreign transaction fee: None
Intro APR: —
Targeted credit: No credit history · Building (<620) · Fair–Good (620–719) · Excellent (720+)

Rewards rates

🍽️3x Dining & restaurants(Rewards)3X points at restaurants and on food delivery
🛒3x Groceries & supermarkets(Rewards)3X points at supermarkets
⛽3x Gas & EV charging(Rewards)3X points on gas purchases
🚇3x Transit & rideshare(Rewards)3X points on transit purchases
💳1x All purchases(Rewards)1X points on all other purchases

Welcome offer

20,000 points
after $2,000 spend in the first 90 days · 20,000 points after $2,000 spend within 90 days (~$200 value)

APR & fees: CFPB Terms of Credit Card Plans survey (as of 2025-12-31). Rewards: issuer public pages (collected 2026-08-31) — every figure above appears verbatim in the source; terms shown may lag issuer changes.

Informational comparison only — not financial advice and not an offer of credit. We don't check your credit or guarantee approval. Confirm current terms with the issuer at www.navyfederal.org.