The Navy Federal GO REWARDS is a personal credit card from Navy Federal GO REWARDS. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is Between 14.24% – 18.00% variable after a 0.99% introductory rate for 6 months. Approval typically requires a credit score of 650-700 or higher. Rewards: ○ 3× points at restaurants; ○ 2× points on gas; ○ 1× on everything else ○ Redeemable for cash, travel, gift cards, merchandise. 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.. 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