The Navigant Credit Union is a personal credit card from Navigant Credit Union. The annual fee is $349. The ongoing APR is 18.24% to 28.24% variable (rates and fees table dated March 1, 2026) after a 0% intro APR on purchases for the first 6 months; 0% intro APR on balance transfers for the first 12 months introductory rate for 12 months. Signup bonus: $150 cash back after spending $2,000 in the first 90 days. Rewards: Unlimited cash back: 4% on travel; 3% on restaurants; 2% on gas, entertainment and streaming services; 1.5% on everything else. Cash back: $150 for spending $2000 in the first 90 days.