The Navy FCU Credit Cards is a personal credit card from Navy FCU Credit Cards. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 10.24% to 18.00% after a low intro APR introductory rate for 12 months. Approval typically requires a credit score of Average to Excellent or higher. Signup bonus: $250 bonus cash by spending $2,500 in your first 90 days for cash Rewards; 20,000 bonus points by spending $2,000 in your first 90 days for More Rewards American Express; 35,000 bonus points by spending $3,500 in your first 90 days for Visa Signature Flagship Rewards.. Rewards: Unlimited 1.5% cash back on all purchases with cash Rewards; Unlimited 2% cash back on all purchases with cash Rewards Plus; 3X points at restaurants and on food delivery, 3X points at supermarkets, 3X points on gas and transit with More Rewards American Express; 3X points on travel and 2X points on everything else with Visa Signature Flagship Rewards; 3X points at restaurants, 2X points on gas, 1X points on everything else with GO REWARDS.. Cash back: Unlimited 2% cash back on all purchases with cash Rewards Plus, Unlimited 1.5% cash back on all purchases with cash Rewards. Typical credit limit: $5,000 or more for cash Rewards Plus, under $5,000 for cash Rewards. This product reports activity to your personal credit report. Pre-qualification available (soft pull). BT Fee: Some cards offer balance transfer promos (e.g. low APR for transfers within 60 days)