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 APR for purchases, balance transfers and convenience checks, based on creditworthiness; varies with the U.S. Prime Rate (disclosure accurate as of February 2, 2026) after a 1.99% intro APR on balance transfers for 12 months from account opening (balance transfers requested within 60 days of account opening); no purchase intro APR introductory rate. Signup bonus: $250 cash back after $2,500 in eligible purchases within 90 days of account opening; for new cashRewards or cashRewards Plus accounts applied for between 07/01/2026 and 01/03/2027; one promotional offer at account opening. Rewards: Unlimited 2% cash back on eligible purchases (purchases minus returns and credits; excludes fees, interest, balance transfers, gambling, convenience checks, cash advances and cash equivalents); no rewards limit, no rotating categories, no reward expiration. Typical credit limit: $5,000 or more (a cashRewards Plus card is issued only when the approved credit limit is $5,000 or greater). Loan terms: Revolving personal credit card; due date at least 25 days after the close of each billing cycle; no interest on purchases if the entire balance is paid by the due date each month; interest on cash advances, balance transfers and convenience checks from the transaction date; no minimum interest charge. Soft-pull pre-qualification is available — no hard inquiry to check approval odds.