The Navy Federal is a personal credit card from Navy Federal. Application typically pulls a hard report from TransUnion. The annual fee is $95. The ongoing APR is 15.74% to 18.00% variable APR for purchases, balance transfers and convenience checks, based on creditworthiness; varies with the U.S. Prime Rate (as of 10/13/2026). Signup bonus: 50,000 bonus points (a $500 value) after $4,000 in eligible purchases within 90 days of account opening; for members who apply for a new account between 9/10/2026 and 1/3/2027 and are approved; one promotional offer at account opening. Rewards: 4 points per $1 on eligible travel purchases; 3 points per $1 at restaurants (dining); 1 point per $1 on other eligible purchases; $100 annual statement credit after $100 or more in eligible airline purchases each account year; up to $120 Global Entry or TSA PreCheck statement credit every 4 years; complimentary GigSky 3 GB global mobile data plan; no rewards limit and points do not expire while the account is open; redeem for cash, travel, gift cards and merchandise. 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.