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Navy Federal GO REWARDS® Credit Card review
Learn all the features of Navy Federal GO REWARDS® Credit Card and find out why it stands out from the pack. Read our in-depth review to discover if this card is right for you.
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Navy Federal GO REWARDS® Credit Card: Get premium rewards for your hard-earned money!
Are you a Navy Federal Credit Union member looking to make the most out of your most common purchases? The Navy Federal GO REWARDS® Credit Card can give you that and so much more!
How to apply for the Navy Federal GO REWARDS® Card
Get all the information you need to apply for the Navy Federal GO REWARDS® Card. Learn about rewards, interest rates, benefits, and more.
- Credit Score: You need at least an average score for the GO REWARDS® Credit Card.
- Annual Fee: The GO REWARDS® Credit Card has $0 annual fee.
- Intro offer: There’s no current promo for the GO REWARDS® Credit Card.
- Rewards: 3 points on restaurants, 2 points on gas, and 1 point on everything else – no limits or expiration date.
- APRs: New members can enjoy a 1.99% APR for the first 9 months on purchases and balance transfers (within the first 60 days), and after that, a variable APR between 13.24% and 18% takes place.
- Other Fees: $0.5 cash advance fee on domestic transactions, $20 max late fee, and 18% penalty APR when it applies.
While there are restrictions to getting this card, if you can become a Navy Federal Credit Union member, it is definitely worth your while.
The GO REWARDS® Credit Card offers a great rewards rate that you can usually only find on premium and expensive cards.
So if you’re interested in learning what the Navy Federal GO REWARDS® Credit Card can do for you and your wallet, keep reading our full review below!
We’ll look at benefits, potential drawbacks and what makes this card so unique. Read on!
Navy Federal GO REWARDS® Credit Card: What can you expect?
The Navy Federal GO REWARDS® Credit Card provides an amazing opportunity to make your everyday purchases even more rewarding.
With this card, you can expect top-notch security and protection from Navy Federal’s Trusted Chip Technology.
You can also expect a competitive rewards program that provides bonus points at restaurants and at the gas pump. Plus, bonus points for every dollar you spend.
You can choose between Visa or Mastercard coverage, and pay $0 annual fee for it.
The card offers 9 months of 1.99% APR on purchases and on balance transfers you make within the first 60 days of membership.
After that period, the variable APR kicks in at 13.24% – 18.00% – which is still pretty low for a card of this caliber.
You can redeem your GO REWARDS® points for cash, travel, merchandise and gift cards, and your points never expire. You can also enroll in Navy Federal’s Member Deals and get special offers and discounts from partnered retailers.
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Do the pros outweigh the cons?
The Navy Federal GO REWARDS® Credit Card provides an incredible value. However, it’s important to take a closer look at all facets of the credit card before making a final decision.
See them below to see if this is the right answer for your needs.
Pros
- There are absolutely zero membership fees – no annual, foreign, cash advance, nothing.
- The GO REWARDS® offers a low intro APR on purchases and balance transfers. Even when the regular APR kicks in, it’s still lower than most cards.
- You’ll get an incredible rewards rate that’s usually reserved for people with excellent scores.
Cons
- Requires a Navy Federal Credit Union membership for eligibility.
- The GO REWARDS® currently has no welcome bonus for new members.
What are the eligibility requirements?
You can qualify for the Navy Federal GO REWARDS® Credit Card with a fair credit score, but you need a Navy Federal membership to apply.
If you are an existing member and would like to check your odds first, Navy Federal offers a pre-qualification process.
Learn how to request the Navy Federal GO REWARDS® Credit Card
Are you looking to take control of your finances, while also earning generous reward points for purchases? The Navy Federal GO REWARDS® is the perfect tool for individuals and families seeking more value from their everyday spending.
Check the following link to learn about the application process and how you can quickly request your GO REWARDS® Credit Card online!
How to apply for the Navy Federal GO REWARDS® Card
Get all the information you need to apply for the Navy Federal GO REWARDS® Card. Learn about rewards, interest rates, benefits, and more.
About the author / Aline Barbosa
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