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 14.15% to 18.00% variable (disclosure printed Feb 2, 2026; card page 'As of 10/13/2026' shows same range) after a 1.99% introductory APR on balance transfers for 12 months (balance transfers requested within 60 days of account opening); then standard variable APR introductory rate for 12 months. Approval typically requires a credit score of Average to Excellent or higher. Signup bonus: $250 bonus cash when you spend $2,500 within 90 days of account opening (applications 07/01/2026 to 01/03/2027). Rewards: Unlimited 1.5% cash back on all purchases (cashRewards, credit limit under $5,000); unlimited 2% cash back on all purchases (cashRewards Plus, credit limit $5,000 or more); no cap; cash earned does not expire while account is open. 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. Loan terms: Revolving personal credit card; due date at least 25 days after close of each billing cycle; no interest on purchases if balance paid in full by due date; no minimum interest charge. This product reports activity to your personal credit report. Soft-pull pre-qualification is available — no hard inquiry to check approval odds. Pre-qualification available (soft pull). BT Fee: Some cards offer balance transfer promos (e.g. low APR for transfers within 60 days)