The Navy Federal cashRewards / cashRewards Plus is a personal credit card from Navy Federal cashRewards / cashRewards Plus. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 14.15% - 18.00% variable after a 1.99% introductory rate for 12 months. Approval typically requires a credit score of 650 or higher. Rewards: ○ cashRewards Plus: Unlimited 2% cash back on all purchases ○ cashRewards: Unlimited 1.5% back on all purchases. Cash back: up to 2% cash back on every purchase. This product reports activity to your personal credit report. Application rules: • Pulls TransUnion. Freeze TU for credit limit increase hacks (forces internal scoring). • Pre-qualification tool available (soft pull). • 91-day rule for credit limit increases (25-30% of current limit). • Deposit $200+ in savings for best approval odds. • Secured → unsecured graduation path available.. Outstanding for combining balance transfer financing with flat-rate cash back on everyday spending. Navy Federal GO REWARDS Credit Card. BT Fee: None — no fees on transfers. Post-intro APR: Between 14.90% – 18.00% variable