The Navy Federal is a personal credit card from Navy Federal. Application typically pulls a hard report from TransUnion. The annual fee is $95 (effective Nov. 2, 2026). The ongoing APR is 14.74% to 18.00% APR for purchases, balance transfers and convenience checks, based on creditworthiness; varies with the U.S. Prime Rate (as of 10/13/2026). Approval typically requires a credit score of Very Good to Excellent or higher. Signup bonus: 35K bonus points when you spend $3.5K in your first 90 days. Rewards: 3 points per $1 on eligible travel purchases (airline, hotel, car rental, bus lines, taxis, cruise lines, time shares, parking, transit); 2 points per $1 on all other eligible purchases. Minimum time in business: 24 months. This product reports activity to your personal credit report. Soft-pull pre-qualification is available — no hard inquiry to check approval odds.