The Navy Federal is a personal credit card from Navy Federal. Application typically pulls a hard report from TransUnion. The annual fee is $0. The ongoing APR is 14.15% to 18.00% variable (purchases and balance transfers). Approval typically requires a credit score of Average credit (FICO scores of at least 630) or higher. Signup bonus: 20,000 points when you spend $2,000 within 90 days of account opening (accounts applied for 07/01/2026 to 01/03/2027). Rewards: 3X points at restaurants and on food delivery, 3X points at supermarkets, 3X points on gas and transit, 1X points on everything else. Cash back: up to 2% cash back on every purchase. Minimum time in business: 24 months. This product reports activity to your personal credit report. ITIN-friendly — accepts applicants with an Individual Taxpayer Identification Number in lieu of an SSN. Soft-pull pre-qualification is available — no hard inquiry to check approval odds. Application rules: American Express application limits: 1-in-5 (max 1 personal card approval per 5-day window) AND 2-in-90 (max 2 cards approved within any rolling 90-day period). Sign-up bonuses are once-per-lifetime per card product family. Charge cards (Green/Gold/Platinum) generally don't count toward credit-card velocity rules..