Go Rewards®

When you open a GO REWARDS account, you'll earn 3 points at restaurants, 2 points on gas and 1 point on everything else.*

  • No Rewards Expiration as long as account is open
  • No Rewards Limit
  • Start Redeeming: 1,000 points
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards
Excellent Credit, Good Credit Personal $0* N/A* N/A* As low as 10.99%* (Variable)* Flexible Options


Quick Summary:
This Mastercard rewards card with flexible options is issued by Navy Federal Credit Union. This card is intended for consumers, or "personal use" with a nearly perfect credit history. Rates may vary among applicants, however the lowest standard APR is 10.99%* and may be as high as 18%* (Variable)*, depending on your credit worthiness*.

Important Rates:
There is not an introductory APR for this card, so the lowest or standard rate may apply immediately or after the grace period for eligible purchases. There is no annual fee for this card.*

Rewards:
This is a flexible options rewards card. You should be able to choose different reward types, such as travel, points, or other options. This type of card adjusts to the changing needs of the cardholder.

Credit Record Needed:
Based on the FICO score recommendation, applicants should have a great credit record. A FICO credit score of 726 is recommended for a higher chance of approval, but this is not required. There are a number of other factors that this issuer may also consider when making decisions for approval. While your FICO score is usually a very important factor, you may want to consider other areas that may affect a decision for approval. For example, your debt to income ratio, recent credit inquiries, 30+ day delinquencies, or current credit accounts nearing the maximum amount may affect a credit decision.

FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, a credit score alone does not guarantee or imply approval for any Navy Federal Credit Union product.

Other Basics:
The grace period listed for the Go Rewards® is at least 25 days*. So interest charges will not be applied for new purchases during this time if balance is paid in full by the due date. Be aware that some issuers will begin charging interest on cash advances and balance transfers on the transaction date.

This card contains the brand of Mastercard, where acceptance is global. Most businesses that accept credit cards will accept Mastercard as a form of payment (subject to available credit).

Other Remarks:

Get rewarded by earning one point per dollar you spend. Just make a purchase, and your points will be automatically added to your account once the transaction has posted. You can redeem your points for travel, cash back, merchandise, gift cards or exciting experiences. When you see how quickly the rewards add up, you'll understand why so many of our members shop with a Navy Federal rewards card!



Approval Rate:
Currently, we have no applicant results in our system. You can be the first one to help by submitting your application results to assist other applicants before they apply for this card.

There have been no approvals in our internal system that we can calculate for this card. This could be due to lack of time that this card has been listed at Finance Globe or from other various factors. As we gain more information about the approval rates, we will update them here. Furthermore, if your FICO score is close to or higher than 726, then your chance of approval may be even greater.

Approval Time:
Approval time for this offer is not listed. You should expect a final credit decision within a couple of weeks, but normally much sooner.

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