Navy Federal cashRewards Plus Credit Card
Earn Rates
| Category | Rate | True cash-back value |
|---|---|---|
| Everything else | 2% | 2% |
True value converts point multipliers to dollars using MaxWorth point valuations. Issuer-portal-exclusive rates are excluded.
Credits (1)
1.99% Intro APR on Balance Transfers
1.99% intro APR for 12 months on balance transfers made within 60 days of account opening; then variable APR of 14.15%–18.00% applies.
Protections (1)
Auto Rental Collision Damage Waiver
Collision Damage Waiver coverage for rental vehicles when the full rental cost is charged to the card (Visa cards only; Mastercard coverage varies).
Other (6)
No Foreign Transaction Fees
No foreign transaction fees when making purchases outside the United States.
No Balance Transfer Fee
No balance transfer fee on transfers made during the introductory period.
No Cash Advance Fee at Navy Federal
No cash advance fees when using the card at Navy Federal branches or ATMs (standard cash advance fees apply at other ATMs).
Zero Liability Protection
Zero Liability Protection so you are not responsible for unauthorized transactions reported promptly.
24/7 U.S.-based Member Service
24/7 U.S.-based member service — speak with a representative any time of day.
Rewards Never Expire
Cash rewards never expire as long as your account remains open and in good standing.
Stop tracking this in a spreadsheet.
The MaxWorth app tracks all 8 Navy Federal cashRewards Plus Credit Card benefits automatically — redemption progress, reset dates and expiry alerts.