NerdWallet's ratings are determined by our editorial team. Navy Federal’s 24/7 access to representatives is a major benefit of membership, and you shouldn’t be shy about asking for their help when you need it. Property and Casualty insurance services offered through NerdWallet Insurance Services, Inc.: Licenses, NerdWallet Compare, Inc. NMLS ID# 1617539, NMLS Consumer AccessLicenses and Disclosures, California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-74812. Chase Freedom Flex℠: Best feature: Wide range of cash back rewards. Disclaimer: NerdWallet strives to keep its information accurate and up to date. The minimum required opening deposit is $200, which may be a barrier for some. However, this does not influence our evaluations. If you're a Navy Federal member, you're in luck! None of our picks has an annual fee, so cardholders aren’t paying any price (apart from their purchases and any interest and fees assessed) to access these rewards. Get a statement credit for Global Entry or TSA Precheck application fees, up to $100 once every four years, plus other travel perks such as travel and accident insurance and auto rental coverage. The APR for purchases and balance transfers for the Navy Federal … The ongoing APR is 18.00%, Variable. App Store is a service mark of Apple Inc. The Navy Federal Credit Union Platinum credit card offers a low variable APR between 5.99% and 18% on purchases and balance transfers. The minimum required opening deposit is $200, which may be a barrier for some. There’s no annual fee. Most NFCU credit cards also require good or excellent credit for approval, but there is a secured Navy Federal card for building credit. A single card is eligible to be chosen in multiple categories. American Express may not be as widely accepted internationally as Visa and Mastercard. But since we generally make money when you find an offer you like and get, we try to show you offers we think are a good match for you. For example, you could receive a loan of $6,000 with an interest rate of 7.99% and a 5.00% origination fee of $300 for an APR of 11.51%. Your rate within that range is based on your credit … , you'll earn triple points on travel, but also double points on all other spending, making it a great choice for everyday spending, too. All other purchases earn 1 point. The card, issued by Navy Federal Credit Union, comes with an APR as low … Once you have one of these cards, you’ll want to make sure you’re clear on the perks that come with each. Here’s why: This card is great for business owners who want a card with no annual fee and the option to have multiple cards for employees. This card is issued by the Navy Federal Credit Union, and is only available to those who have participated in the military, some other federal programs, or their families. You must be a member of Navy Federal Credit Union to apply for a credit card. It's pretty simple, actually. Here’s why: We like this secured card option for the ways it can help cardholders establish or rebuild their credit, all while taking advantage of a few rewards offers. She is passionate about education, financial literacy and empowering people to take control of thei…, Image: Soldier carrying duffel bag and wondering about best credit cards for active military duty personnel. You can look up more information on membership requirements on the NFCU website. In this example, you will receive $5,700 and will make 36 monthly payments of $187.99. Take the points you earn and redeem them for travel, cash, gift cards or merchandise — it’s up to you. Navy Federal Credit Union® Visa Signature® Flagship Rewards Credit Card, Navy Federal Credit Union® nRewards® Secured Credit Card, 3X points at restaurants and on food delivery, Start redeeming rewards as soon as you earn them, Receive statement credit (up to $100) for Global Entry or TSA Pre√®, Enjoy the lowest rate of Navy Federal Credit Union's credit cards, Deposit at least $200 into your savings account (before submitting your application) to back your spending. For busy households, the Navy Federal Credit Union® More Rewards American Express® Credit Card offers triple points back on groceries, gas, dining and transit. Navy Federal Credit Card … Pre-qualified offers are not binding. You'll earn 1 point per $1 spent. It’s recommended that business owners separate their business and personal finances, which makes getting a specific card for business a good idea. If you think you'll need to carry a balance, other secured cards may offer a lower rate. That's why we provide features like your Approval Odds and savings estimates. Getting approved for a Navy Federal Credit Card requires a little planning. Auto, homeowners, and renters insurance services offered through Credit Karma Insurance Services, LLC (dba Karma Insurance Services, LLC; CA resident license #0172748). The Navy Federal Credit Union Mastercard® Business Card has no annual fee and offers one point for every $1 spent. With the Navy Federal nRewards Secured Credit Card rewards program, you earn a flat one point per dollar in purchases. The money we make helps us give you access to free credit scores and reports and helps us create our other great tools and educational materials. When evaluating offers, please review the financial institution’s Terms and Conditions. It offers three points per $1 at supermarkets, gas stations, at restaurants, and on transit, plus one point per $1 for all other purchases. Navy Federal Platinum Review: Zeros That Add Up to a Lot It's a no-frills card that's decent for balance transfers. What’s the easiest Navy Federal credit card to get? Credit Karma, Inc. and Credit Karma Offers, Inc. are not registered by the NYS Department of Financial Services. If you do get a low APR, this card can be a great way to minimize extra charges if you’re paying off your balance over time. With many NFCU cards, you can redeem your points by directly booking flights, hotels and car rentals, but you can also redeem them for cash, merchandise or gift cards. When evaluating offers, please review the financial institution’s Terms and Conditions. Navy Federal Credit Union credit cards are known for low annual fees (usually $0), attractive rewards and only being available to members of the military community. Credit Karma® is a registered trademark of Credit Karma, LLC. CREDIT KARMA OFFERS, INC. 1100 Broadway, STE 1800 Oakland, CA 94607
© 2007–2021 Credit Karma, LLC. Image: Young male wearing glasses, on a city street, looking at his phone with credit card in hand. You’ll be required to place at least $500 into a savings … This card allows users to rack up travel rewards quickly for a relatively low cost of ownership. We are continually improving the user experience for everyone, and applying the relevant accessibility guidelines. This card is issued by the Navy Federal Credit Union, and is only available to those who have participated in the military, some other federal … For one, you can’t apply online — rather, you submit completed PDFs by uploading them to NFCU’s … Earn a solid, straightforward 1.5% cash back on your purchases and redeem rewards as soon as you earn them, as a statement credit or to your Navy Federal bank account. Our opinions are our own. The card also grants discounts on car rentals and at select restaurants. American Express is a federally registered service mark of American Express and is … comes with a decent rewards rate on all eligible purchases and some nice extras, too, like cell phone protection and travel protection. If you think you'll need to carry a balance, other secured cards may offer a lower rate. There's no premium lounge access, free-checked-bag perks or any of the high-end extras that come with pricier travel credit cards. The easiest Navy Federal credit card to get is the Navy Federal nRewards Secured Credit Card because you can get approved with Bad. Get a statement credit for Global Entry or TSA Precheck application fees, up to $100 once every four years, plus other travel perks such as travel and accident insurance and auto rental coverage. For a limited time, new cardholders can also earn a $150 bonus cash back after spending $2,000 on eligible purchases within 90 days of opening an account. Compare business credit card offers on Credit Karma. Availability of products, features and discounts may vary by state or territory. Secured credit cards are great options for people who have no credit history, poor credit or need to rebuild their credit, but the benefits of a secured card are limited – offering minimal long-term value.. With a secured credit card, your credit limit is low, typically equal to a security deposit required by the card … This site may be compensated through third party advertisers. Here’s why: This card offers the potential for the lowest ongoing potential variable APR on purchases and balance transfers out of all the Navy Federal Credit Union cards. Its membership is restricted to current or former members of the military, current or former employees of the Department of Defense or DOD contractors, or immediate family members of someone who fits the criteria. We also tried to pick cards in categories that would be relevant to current and potential Navy Federal Credit Union members, including active-duty military personnel and their families. This deposit will determine your credit limit. The card also grants discounts on car rentals and at select restaurants. During the application process, you can choose to have either a Visa or a Mastercard as the payment network. With no foreign transaction fees, the chance to earn a $100 statement credit toward TSA PreCheck or Global Entry, and no limits on the amount of points you can earn, this card makes for a great travel companion. The NFCU Platinum Credit Card offers basic Visa benefits and a low APR. Secured credit cards are for building or repairing credit, but this card offers rewards, too, along with some perks not typically found on cards in its class. California loans arranged pursuant to Dep't of Business Oversight Finance Lenders License #60DBO-78868. Credit Karma Mortgage, Inc. NMLS ID# 1588622 |, Credit Karma Offers, Inc. NMLS ID# 1628077 |. Your credit card agreement should include the details, and customer service could help clarify matters too. Your actual rate depends upon credit score, loan amount, loan term, and credit usage and history, and will be agreed upon between you and the lender. I applied today, less than six months later, for a Navy Federal CashRewards Mastercard and got approved...again for $25,000! All Rights Reserved. Editorial Note: Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. If you do most of your shopping at warehouse clubs or discounters, you won't earn the elevated rewards rate. This date may not reflect recent changes in individual terms. Pre-qualified offers are not binding. Depending on your spending patterns, other cards may ultimately help you earn more back. The card stays true to its name, too, with more rewards via a welcome bonus. They unsecured the card and made my limit $1000. You should also familiarize yourself with the rewards redemption process for your card. iPhone is a trademark of Apple Inc., registered in the U.S. and other countries. There’s also no annual fee. The minimum recommended credit score for this credit card is 700. For more info on this category, take a look at our guide to cash back cards. All financial products, shopping products and services are presented without warranty. For those who qualify, this card offers one of the lowest ongoing APRs on the market: 0% intro APR on balance transfers for 12 months, and then the ongoing APR of 5.99% - 18.00%, Variable. If you’re a current or former military service member, you may be eligible to apply for membership. For those who qualify, this card offers one of the lowest ongoing APRs on the market: 0% intro APR on balance transfers for 12 months, and then the ongoing APR of 5.99% - 18.00%, Variable. 0% intro APR on balance transfers for 12 months. I applied for this card in December with a 726 TU and 689 EQ and got approved for $25,000. Here is a list of our partners. The Navy Federal More Rewards American Express® Card is issued and administered by Navy Federal Credit Union. Prevent identity theft, protect your credit, The difference between term and whole life insurance, How medical conditions affect your life insurance rate. Navy Federal Credit Union® cashRewards Credit Card. For more details, look into the NFCU instructions for redeeming rewards points. Thanks Navy Federal for these awesome high credit … The points redemption process is more varied and flexible. the Navy Federal nRewards Secured Credit Card is the easiest Navy Federal Credit Union credit card to get, since it requires a limited credit … Credit Karma Offers, Inc. NMLS ID# 1628077 | Licenses | NMLS Consumer Access, Click to share on Twitter (Opens in new window), Click to share on Facebook (Opens in new window), Click to share on Reddit (Opens in new window), Image: Dad with his son after he picked the best Navy Federal Credit Union credit card for him, Melanie Lockert is a freelance writer and editor currently living in Portland, Oregon. Only mortgage activity by Credit Karma Mortgage, LLC., dba Credit Karma is licensed by the State of New York. With over 8 million members, Navy Federal is the nation's largest credit union, and its mission is to provide financial products to those who have served our country. The two USAA credit cards … Credit Karma is committed to ensuring digital accessibility for people with disabilities. Read on to see our picks for best-in-class. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly. The fuss-free Navy Federal Credit Union® cashRewards Credit Card comes with a decent rewards rate on all eligible purchases and some nice extras, too, like cell phone protection and travel protection. Plus get a generous sign-up bonus: . The Old Navy Credit Card offers rewards at Old Navy stores and online, as well as with other Gap Inc.-brand stores. Here’s why: This rewards card offers points for all your purchases and even more for purchases at supermarkets, gas stations and restaurants. And if you typically carry a balance on your credit card, you also may be eligible for a low ongoing APR. Balances transferred when you get the card will have an introductory interest rate of 0% for 12 months, and there’s no balance transfer fee—a benefit rarely found on competing cards. Plus get a generous sign-up bonus: None. This deposit can reduce risk for credit card companies and increase your chances of approval. Most credit card offers require very good credit. From the start, read our article on the NFCU Platinum credit card, you can to. Cards of January 2021Chase Sapphire Preferred® card: best feature: secured access to credit caps on cash back all. One point per $ 1 spent tend to provide more-personalized customer service could help clarify matters too: rewards... In this scenario, because it ’ s credit limit and be held it takes 500 to! How we make money emergency assistance, extended warranty service and collision damage waiver coverage in this scenario because... This may influence which products we write about and where and how the product on! 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