GO REWARDS® Credit Card
Get a Low Intro APR on Purchases
You could get a 0.99% intro APR on purchases for the first 6 months of account opening. After that, a variable APR between 14.24% and 18% applies.Footnote 1 See offer details.
This card is best for...
Busy Lifestyle
Dining Out
Average to Excellent Credit
Rates, Fees & Rewards
Fees
- No annual fee
- No balance transfer fee
- No foreign transaction fees
- No cash advance feesFootnote 2
Rewards
- 3X points at restaurantsFootnote 3
- 2X points on gas
- 1X points on everything else
Program Description
Features & Benefits
No Rewards Limit
Spend more, earn more. Continue to accrue more until you’re ready to redeem.
Redeem Points for Cash, Travel, Gift Cards and Merchandise
Love to travel? Or want cash back? The GO REWARDS card gives you the flexibility to redeem your points as you like. Want even more? Shop at our Member Deals and earn extra rewards on your purchases, including up to 15 points or 15% cash back per dollar spent.Footnote 4
Collision Damage Waiver
With your Navy Federal Visa or Mastercard, you automatically have Collision Damage Waiver (CDW) coverage when you rent a car for 15 days or less and pay for the rental with your covered rewards card. The CDW coverage is secondary to any other applicable insurance or coverage available to you.
Coverage includes physical damage and theft of the rental vehicle, reasonable towing charges, valid loss-of-use charges imposed by the auto rental company, as well as your deductible and any other eligible amounts not covered by other insurance. Only you, as the primary renter of the vehicle, and any additional drivers permitted by the auto rental agreement are covered.
Certain terms, restrictions and exclusions apply. For more information, please refer to your Auto Rental Insurance Guide. If you need a copy of the guide, please call 1-888-842-6328 or one of our international phone numbers.
Additional Card Benefits
Learn more about additional travel, entertainment and shopping benefits.
- Visa Benefits: Visa Benefits Site / Visa Benefits Guide
- Visa Signature® Benefits: Visa Signature® Benefits Site / Visa Signature® Benefits Guide
- Mastercard Benefits: Mastercard® Benefits Site / Mastercard® Benefits Guide
- World Mastercard Benefits: World Mastercard Benefits Site / World Mastercard Benefits Guide
Included With All Navy Federal Credit Cards
Do You Prequalify?
If you’re already a member, you can find out if you prequalify before applying for a Navy Federal Credit Card.
This won’t affect your credit score. A prequalification does not guarantee approval when you apply. When you apply, we also consider factors such as your monthly debt-to-income ratio.
If you live life on the go, our GO REWARDS card is for you.
See What Our Members Have to Say
Great credit card to use, gas food trips.
Nyrita
The GO rewards card is really great. You are rewarded for almost any purchase made with this card. I don’t go anywhere without it!
Mounisa
Disclosures
As of 06/18/2025, rates range from 14.24% APR to 18.00% APR, are based on creditworthiness, and will vary with the market based on the U.S. Prime Rate. ATM cash advance fees: None if performed at a Navy Federal branch or ATM. Otherwise, $0.50 per domestic transaction or $1.00 per foreign transaction. Application must be submitted by 01/01/2026. Limit of one promotional offer at account opening. Navy Federal reserves the right to change or end this offer at any time without notice.
↵As of 06/18/2025, rates range from 14.24% APR to 18.00% APR, are based on creditworthiness, and will vary with the market based on the U.S. Prime Rate. ATM cash advance fees: None if performed at a Navy Federal branch or ATM. Otherwise, $0.50 per domestic transaction or $1.00 per foreign transaction.
↵GO REWARDS credit cards earn 3 points for every $1 of eligible purchases made at restaurants, 2 points for every $1 of eligible purchases made for gas, and 1 point for every $1 of other eligible purchases. Eligible purchases are purchases for goods and services, minus returns and other credits. Eligible purchases do not include fees, interest charges, balance transfers, gambling, convenience checks, cash advances, or other cash-equivalents (e.g., money orders, gift cards, prepaid cards). Merchants are assigned codes by payment networks based on what they primarily sell. We rely on this information to identify restaurant and gas purchases. If the purchase is not identified as a gas or restaurant purchase, it will not receive additional points. For example, purchases at restaurants located within another establishment (e.g., hotel, casino, commissary, grocery store, event venue), and purchases for gas at superstores, supermarkets and warehouse clubs may earn 1 point per $1 spent because they typically are not assigned codes identifying them as restaurant or gas purchases. [Existing accounts: ;however, those transactions may receive additional points from a different promotion if one applies to your account.]. For more information, view the GO REWARDS Program Description Guide.
↵Rewards are subject to change and vary by merchant. Reward types are based on the purchasing credit card. cashRewards, cashRewards Plus, and cashRewards Secured cards receive cash back, Platinum receives a statement credit, and all others receive points. Program excludes Navy Federal Business and Home Equity Line Visa® Platinum credit cards and Navy Federal Debit Cards.
↵The Contactless Symbol is a trademark owned by and used with permission of EMVCo, LLC.
↵The views expressed in the reviews are solely those of the individuals posting them. The testimonials are substantively the words of the individual reviewer, but may have undergone minor clerical revisions to ensure readability, add context, or protect private information. Any imagery displayed is for decorative purposes only and is not necessarily associated with the reviewer.
Program excludes Navy Federal Business and Home Equity Line Visa® Platinum Credit Cards and Navy Federal Debit Cards.