Navy Federal
Navy Federal cashRewards Plus Benefits, Credits & 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.
- 2%Everything Else
Maintained by Creddy Editorial · Catalog checked Oct 9, 2026
Navy Federal cashRewards Plus at a Glance: No Annual Fee, Issuer and Rewards
- Annual fee:
- No annual fee
- Issuer:
- Navy Federal
- Rewards:
- Cash Back
Navy Federal cashRewards Plus Earning Rates
| Category | Rate | Notes |
|---|---|---|
| Everything else | 2% |
Bonus category rates for this card are still being added.
Who Should Get the Navy Federal cashRewards Plus?
The Navy Federal cashRewards Plus fits people who want one flat rate: 2% on every purchase. It has no annual fee, so it costs nothing to keep.
Is the Navy Federal cashRewards Plus Worth It?
The Navy Federal cashRewards Plus has no annual fee, so every reward you earn is value you keep. Compare its earning rates with your spending.
Check enrollment requirements, merchant restrictions, reset timing and the issuer's current terms before applying.
Navy Federal cashRewards Plus Welcome Bonus
$250 cash back bonus
Offer history
- Usual
- $250
- Highest seen
- $250
Tracked since Nov 2024
Navy Federal cashRewards Plus Statement Credits and When They Reset
Creddy's catalog lists no statement credits for the Navy Federal cashRewards Plus. Its value comes from its rewards and other benefits on this page.
Navy Federal cashRewards Plus Travel Benefits
Rental Car
- Auto Rental Collision Damage Waiver
Get secondary coverage for damage to or theft of a rental car. Pay for a rental of 15 days or less with your covered card; coverage can include reasonable towing, rental-company loss-of-use charges, and amounts not covered by other insurance. You must be the primary renter, and additional drivers must be permitted by the rental agreement.
Checked Oct 7, 2026
More Navy Federal cashRewards Plus Card Benefits
Bonus Earnings
- 2% cash back on eligible purchases2%
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 Oct 2, 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 - Rewards Pooling
Combine cash rewards from your eligible Navy Federal cashRewards credit card accounts into one shared pool. Redeem from the pool instead of tracking each card separately. Only eligible cashRewards accounts can be pooled.
Checked Oct 9, 2026
Navy Federal cashRewards Plus vs Other Navy Federal Cards
- Navy Federal cashRewardsNo annual fee
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Understand monthly, calendar-year, cardmember-year, and rolling statement credit resets so valuable card benefits do not go unused.
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Navy Federal cashRewards Plus FAQs
Is the Navy Federal Cashrewards Plus worth the annual fee?
Compare Navy Federal cashRewards Plus's current annual fee with rewards and benefits you would actually use. Count credits at what they save you after eligibility, enrollment and extra spending costs, then compare the result with lower-fee alternatives. Include interest and other charges if you carry a balance.
Which benefits does Creddy list for Navy Federal Cashrewards Plus?
Creddy's September 26, 2026 catalog lists 2% cash back on eligible purchases for Navy Federal cashRewards Plus. Review the benefits and earning-rate tables for the conditions; confirm current coverage, enrollment and restrictions with Navy Federal. This is a dated catalog summary, not certification that every listed benefit is currently available on your account.
What is the annual fee for the Navy Federal Cashrewards Plus?
Creddy's catalog lists a $0 annual fee for Navy Federal cashRewards Plus as checked on September 26, 2026. Confirm current pricing and any additional-card fees with Navy Federal before applying or renewing.
Does the Navy Federal Cashrewards Plus come with a welcome bonus?
Welcome offers for Navy Federal cashRewards Plus can change and may depend on your application or account history. Check Navy Federal's current offer for the bonus amount, eligible spending, deadline and exclusions; a catalog entry does not guarantee an offer or your eligibility.
Who should get the Navy Federal Cashrewards Plus?
Navy Federal cashRewards Plus may fit someone whose normal spending matches its eligible earning categories and who can use the benefits shown above. Compare the current fee, purchase restrictions and realistic redemption value with other cards before applying.
How does the Navy Federal Cashrewards Plus compare to other Navy Federal cards?
Compare Navy Federal cashRewards Plus with other Navy Federal cards using annual fees, eligible earning rates and the benefits you would use. The card tables and issuer catalog help you compare conditions; headline multipliers alone do not establish the better card.