VISAVisa Signature
Navy Federal cashRewards Plus
- Annual Fee
- $0
- cash back · Welcome Bonus
- $250
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $0
- Foreign Transaction Fee
- $0
- Network
- Visa Signature
- Rewards Currency
- Cash
- Point Valuation
- 1¢ (cash back)
- Credit Required
- Excellent
Welcome Offer
Bonus: $250 cash back
Spend: $2,500
Period: 3 months
Earning Rates
- 2%
All Other
Unlimited 2% cash back on all purchases
Benefits & Perks
Insurance & Protections
1 protectionsAuto Rental Collision Damage Waiver
Auto Rental Collision Damage Waiver covers theft, damage, valid loss-of-use charges imposed and substantiated by the auto rental company, administr...
Reviews & Analysis
The Math: Is $0 Worth It?
First-year value includes $250 welcome bonus
Welcome bonus$250
Annual credits (60% utilization)$0
Annual fee-$0
Net first-year value+$250
Credit Utilization (60%)
Annual credits$0
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$0
Net Annual Value
+$0
Details & Terms
Application Rules
| Rule | Details |
|---|---|
| Membership required | Only Navy Federal Credit Union members can apply; membership is open to servicemembers, veterans, Department of Defense personnel and their families. |
Payment Terms
| Purchase APR | 14.15%–18% (Variable) |
| Cash Advance APR | 18% (Variable) |
| Foreign Transaction Fee | $0 |
Media & Resources
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| RewardsCC API | — | RewardsCC API |
| Issuer Page | Issuer Page: Earn rates | |
| Issuer Page | — | Issuer Page |
| Issuer Page | Issuer Page: Apr | |
| Navy Federal Credit Union Official | — | Navy Federal Credit Union Official |