NAVY_FEDERAL
Navy Federal cashRewards Plus benefits and annual fee
No annual fee · Earns Cash Back
2% cash back on eligible purchases with no annual fee. Navy Federal membership required. New credit limits of $5,000 or more receive Plus.
Maintained by Creddy Editorial · Catalog checked Sep 13, 2026
Earning rates
| Category | Rate | Notes |
|---|---|---|
| Everything else | 2% |
Bonus category rates for this card are still being added.
How to evaluate this card
Compare the annual fee with benefits you can realistically use. Check enrollment requirements, merchant restrictions, reset timing, and the issuer's current terms before applying. Creddy shows face values for planning, but usable value depends on your account and spending.
Benefits
Bonus Earnings
- 2% cash back on eligible purchases2% / yrTrackable
Earn unlimited 2% cash back on eligible purchases with cashRewards Plus. Fees, interest, balance transfers, gambling, cash advances and cash equivalents do not qualify.
Checked Sep 13, 2026Official terms
Fees & Miscellaneous
- No Annual Fee
No annual fee on the Navy Federal cashRewards Plus card.
Checked Sep 13, 2026 - No Foreign Transaction Fees
Navy Federal does not charge foreign transaction fees on purchases made outside the United States with the cashRewards Plus card.
Checked Sep 13, 2026
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Navy Federal cashRewards Plus questions
- Is the Navy Federal cashRewards Plus worth its annual fee?
- Compare the current annual fee with the benefits and rewards you would actually use. A listed credit has less value if its restrictions do not fit your spending.
- What benefits does the Navy Federal cashRewards Plus include?
- Creddy currently lists 2% cash back on eligible purchases. Open the benefit details above and confirm eligibility with NAVY_FEDERAL.
- What is the Navy Federal cashRewards Plus annual fee?
- Creddy's catalog currently lists no annual fee. Confirm current pricing with NAVY_FEDERAL before applying or renewing.
- Does the Navy Federal cashRewards Plus have a welcome offer?
- Offers change and can depend on eligibility. Check NAVY_FEDERAL's current application terms for the available bonus, spending requirement and deadline.
- Who might benefit from the Navy Federal cashRewards Plus?
- It may fit someone whose normal spending matches its earning rates and who can use enough listed benefits to justify the fee. Compare alternatives before applying.
- How does the Navy Federal cashRewards Plus compare with other NAVY_FEDERAL cards?
- Compare annual fees, earning rates and benefits across the NAVY_FEDERAL cards in Creddy's catalog. The right choice depends on your spending and which perks you can use.