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 13.49% to 18.00% variable (purchases and balance transfers) after a 0.99% intro APR on purchases for the first 6 months after account opening (apply by 01/03/2027) introductory rate for 6 months. Approval typically requires a credit score of 650-700 or higher. Rewards: 3X points at restaurants, 2X points on gas, 1X points on everything else. Cash back: up to 2% cash back on every purchase. This product reports activity to your personal credit report. Soft-pull pre-qualification is available — no hard inquiry to check approval odds. 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.. Best for short-term 0.99% purchases with strong points earnings—if you don’t need transfer flexibility. PenFed Gold Visa Card. Post-intro APR: Between 14.24% – 18.00% variable