Navy Federal GO REWARDS® Card
- Annual Fee
- $0
- Top Rate
- 3X
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $0
- Foreign Transaction Fee
- $0
- Network
- Visa Traditional
- Rewards Currency
- Navy Federal Credit Union Points
- Point Valuation
- 1–1 cpp (mid: 1)
- Credit Required
- Good to Excellent
Earning Rates
- 3X
Dining
- 2X
Gas Stations
- 1X
All Other
Benefits & Perks
Insurance & Protections
3 protectionsCell Phone Protection
$250
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
Collision Damage Waiver
secondary
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
Roadside Dispatch
Need a tow or a battery jump? Call Roadside Dispatch
Dining Out
3x at restaurants
Navy Federal nRewards
≈$3 in value on a $100 dinner, at our valuation of 1¢ per point
No annual fee
Explore 5,512 New York restaurants with this cardStack a dining program
Rakuten Dining
5% back at 20,618 participating restaurants, on top of this card's 3x, once you join and link this card.
+$5
cash back, or ≈$5.50 as points
More on a $100 dinner
Program & Transfers
Navy Federal nRewards
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
Pros and Cons
Pros
- +No annual fee
- +3x points on restaurants (competitive for a no-fee card)
- +2x points on gas stations
- +Points can be redeemed for travel, gift cards, or merchandise
- +No foreign transaction fee (typical of Navy Federal cards)
Cons
- -Limited to Navy Federal membership eligibility (military, DoD, family members)
- -1x on all other spending is below average
- -Points value depends on redemption method
- -No welcome bonus listed
- -No premium travel benefits or insurance
Who It's Best For
Best For
- Military members and families who dine out frequently
- Those who want bonus rewards on restaurants and gas without an annual fee
- Navy Federal members looking for a points-based rewards card
- Consumers who prefer earning points over cash back
Not Ideal For
- Those seeking travel perks like lounge access or travel credits
- Heavy travelers who could benefit from higher travel category multipliers
- Non-military members (requires Navy Federal membership eligibility)
- Those who prefer simple cash back over points redemption
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 | 13.49%–18% (Variable) |
| Cash Advance APR | 18% (Variable) |
| Foreign Transaction Fee | $0 |
Media & Resources
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| CardRatings | — | CardRatings |
| CardRatings | — | CardRatings: Bonus categories |
| RewardsCC API | — | RewardsCC API |
| Issuer Page | Issuer Page | |
| Issuer Page | Issuer Page: Apr | |
| Issuer Page | — | Issuer Page: Apr.balance transfer |
| Issuer Page | — | Issuer Page: Apr.purchase |
| Navy Federal Credit Union Official | — | Navy Federal Credit Union Official |
