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$0
Annual Fee
3X
Top Rate
Annual Fee
$0
Foreign Transaction Fee
$0
Network
Visa Traditional
Rewards Currency
Navy Federal Credit Union Points
Point Valuation
0.9–1 cpp (mid: 1)
Credit Required
Good to Excellent
Benefits & Perks
You can be reimbursed in the event your eligible cell phone is stolen. Reimbursement of up to $250 per claim for damages or theft, $500 maximum per
You won't be held responsible for unauthorized charges made in store, online, or via mobile device.
With your Navy Federal Visa or Mastercard, you automatically have Collision Damage Waiver (CDW) coverage when you rent a car for 15 days or less and
Emergency card replacement and cash disbursement services available 24/7 worldwide for lost or stolen cards.
Program & Transfers
Navy Federal nRewards is a simple, straightforward points program designed for military members, veterans, and their families. Unlike transferable bank points programs (Chase Ultimate Rewards, Amex Membership Rewards), nRewards points have a fixed value of ~1 cent per point across all redemption options. The program emphasizes simplicity, accessibility, and military-friendly benefits like low APRs (capped at 18%), no balance transfer fees, and no foreign transaction fees. Best suited for members who want uncomplicated rewards without the complexity of transfer partners or tiered redemption values.
Reviews & Analysis
Details & Terms
| Purchase APR | 14.15%–18% (Variable) |
| Cash Advance APR | 18% (Variable) |
| Foreign Transaction Fee | $0 |
Media & Resources

| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |

$0
Annual Fee
3X
Top Rate
Annual Fee
$0
Foreign Transaction Fee
$0
Network
Visa Traditional
Rewards Currency
Navy Federal Credit Union Points
Point Valuation
0.9–1 cpp (mid: 1)
Credit Required
Good to Excellent
Benefits & Perks
You can be reimbursed in the event your eligible cell phone is stolen. Reimbursement of up to $250 per claim for damages or theft, $500 maximum per
You won't be held responsible for unauthorized charges made in store, online, or via mobile device.
With your Navy Federal Visa or Mastercard, you automatically have Collision Damage Waiver (CDW) coverage when you rent a car for 15 days or less and
Emergency card replacement and cash disbursement services available 24/7 worldwide for lost or stolen cards.
Program & Transfers
Navy Federal nRewards is a simple, straightforward points program designed for military members, veterans, and their families. Unlike transferable bank points programs (Chase Ultimate Rewards, Amex Membership Rewards), nRewards points have a fixed value of ~1 cent per point across all redemption options. The program emphasizes simplicity, accessibility, and military-friendly benefits like low APRs (capped at 18%), no balance transfer fees, and no foreign transaction fees. Best suited for members who want uncomplicated rewards without the complexity of transfer partners or tiered redemption values.
Reviews & Analysis
Details & Terms
| Purchase APR | 14.15%–18% (Variable) |
| Cash Advance APR | 18% (Variable) |
| Foreign Transaction Fee | $0 |
Media & Resources

| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |

$0
Annual Fee
3X
Top Rate
Annual Fee
$0
Foreign Transaction Fee
$0
Network
Visa Traditional
Rewards Currency
Navy Federal Credit Union Points
Point Valuation
0.9–1 cpp (mid: 1)
Credit Required
Good to Excellent
Benefits & Perks
You can be reimbursed in the event your eligible cell phone is stolen. Reimbursement of up to $250 per claim for damages or theft, $500 maximum per
You won't be held responsible for unauthorized charges made in store, online, or via mobile device.
With your Navy Federal Visa or Mastercard, you automatically have Collision Damage Waiver (CDW) coverage when you rent a car for 15 days or less and
Emergency card replacement and cash disbursement services available 24/7 worldwide for lost or stolen cards.
Program & Transfers
Navy Federal nRewards is a simple, straightforward points program designed for military members, veterans, and their families. Unlike transferable bank points programs (Chase Ultimate Rewards, Amex Membership Rewards), nRewards points have a fixed value of ~1 cent per point across all redemption options. The program emphasizes simplicity, accessibility, and military-friendly benefits like low APRs (capped at 18%), no balance transfer fees, and no foreign transaction fees. Best suited for members who want uncomplicated rewards without the complexity of transfer partners or tiered redemption values.
Reviews & Analysis
Details & Terms
| Purchase APR | 14.15%–18% (Variable) |
| Cash Advance APR | 18% (Variable) |
| Foreign Transaction Fee | $0 |
Media & Resources

| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |