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cashRewards Credit Card
U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
4
Learn More
(at NFCU's secure site)
$300 cash-back
$0
14.90%-18.00% Variable
cashRewards Credit Card
The cashRewards Credit Card offers no annual fee, up to 1.75% cash-back on all purchases, and no limit to your rewards.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
4
Learn More
(at NFCU's secure site)
The cashRewards credit card offers a straightforward and competitive 1.75% cash back on all purchases, making it an attractive option for everyday spending.
Additionally, it stands out with no balance transfer, foreign transaction, or cash advance fees, providing exceptional value and flexibility for cardholders.
Card Snapshot
Welcome Bonus & Info
New cashRewards cardholders can get $300 cash back when they spend $3,000 within 90 days of opening their cashRewards account. Additionally, they can get a one-time $98 statement credit when they pay $49 or more for an annual Walmart+ membership. Offer valid for accounts applied for between 5/1/2024-6/30/2024.
Earn up to 1.75% cash back on all purchases, when enrolled in direct deposit.
Start redeeming as soon as you earn.
No annual fees, no balance transfer fees, no foreign transaction fees, no cash advance fees.
No rewards limit.
No rewards expiration while account is open.
Pros
Earn up to 1.75% cash back on all purchases, when enrolled in direct deposit
No annual fees
No balance transfer fees
No foreign transaction fees
No cash advance fees.
Cons
No ability to earn bonus cash-back above the 1.75% flat rate
You want a card with specific earning categories for groceries, dining, etc.
What Benefits Do You Get With the cashRewards Credit Card?
The cashRewards Credit Card by Navy Federal Credit Union has a straightforward cash-back earning structure. Earn up to 1.75% cash back on purchases if enrolled in direct deposit with Navy Federal, or 1.5% cash back for cardholders without direct deposit.
Not only does the card earn cash-back, but the card also offers Collision Damage Waiver as a benefit. This benefit is eligible when you rent a car for 15 days or less and pay for the rental with your card. Keep in mind that the Collision Damage Waiver is secondary coverage.
Coverage Includes:
Physical damage
Theft
Reasonable towing charges
Valid loss-of-use charges
Deductible and any other eligible amounts not covered by other insurance
Note that restrictions and exclusions apply, but full details of the coverage can be found here.
Alternative Cards to the cashRewards Credit Card
Citi Double Cash®Card
If you’re after a standard cash-back card, the Citi Double Cash card could be a great fit. The card earns 2% cash-back: 1% when you buy and an additional 1% as you pay for those purchases, all for no annual fee.
Chase Freedom Flex℠ Card
If you’re mainly interested in earning cash-back, but are still looking for earning categories, then you’ll also like the Chase Freedom Flex card.
The Freedom Flex card earns 5% back on up to $1,500 in combined purchases on rotatingquarterly bonus categorieslike gas, grocery stores, and dining. Plus, it earns 5% back on travel purchased through Chase Travel and 3% back on dining and drugstore purchases.
There is no annual fee, and cardholders get benefits likecell phone protection,purchase protection, andextended warranty protection.
The information regarding the Chase Freedom Flex℠ was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
About Kellie Jez
Kellie’s professional experience has led her to a deep passion for compliance, data reporting, and process improvement. Kellie’s learned the ins and outs of the points and miles world and leads UP’s compliance operation.
Navy Federal Credit Union cashRewards Credit Card has a rating of 4.1/5 according to our proprietary credit card rating system. This rating reflects how appealing Navy Federal Credit Union cashRewards Credit Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub.
The credit limit on the Navy Federal cashRewards card will vary depending on your creditworthiness and other factors. Cardholders with a credit limit below $5,000 will receive a Visa® cashRewards card, while cardholders with a credit limit of $5,000 or greater will get a Visa Signature® cashRewards card.
The best credit card overall is the Wells Fargo Active Cash® Card because it gives 2% cash rewards on purchases and has a $0 annual fee. For comparison purposes, the average cash rewards card in 2024 gives about 1% back. Cardholders can also earn an initial bonus of $200 cash rewards after spending $500...
What is the most prestigious credit card? One of the world's most prestigious credit cards is the Centurion® Card from American Express*. Though there may be other cards with more elaborate benefits, those cards are kept well under wraps.
You have to be a member of Navy Federal Credit Union to apply; eligibility for membership is generally restricted to those who are current or former members of the military, immediate family members of service members and veterans, or civilians who work with the Department of Defense.
The Navy Federal credit card approval requirements include a credit score of at least 700 (good credit), in most cases. You might be able to get other Navy Federal Credit Union credit cards with bad credit. You also have to be an NFCU member to apply for one of their credit cards.
The easiest Navy Federal credit card to get is the Navy Federal Credit Union nRewards® Secured Credit Card because you can get approved with Bad credit. The Navy Federal nRewards Secured Card requires a refundable deposit (minimum of $200), and the deposit becomes your credit limit.
We like to see at least three months of on-time payments on an existing Navy Federal Credit Card account before approving an increase to its credit limit. We generally grant credit limit increases on an existing credit card account no more than once every six months.
What to Consider Before Applying for Multiple Navy Federal Credit Cards. You can have up to three Navy Federal credit cards. To get approved for multiple Navy Federal credit cards, your income and debt must demonstrate your ability to pay for purchases on each.
Alternatively, you can request a credit limit increase either by sending a secure message or by calling customer service at (888) 842-6328. You need to wait for at least 3 months after opening your account before asking to get a Navy Federal credit limit increase.
A rating of 5 is the best a card can receive. Why it's one of the hardest credit cards to get: The hardest credit card to get is the American Express Centurion Card. Known simply as the “Black Card,” you need an invitation to get Amex Centurion.
The U.S. Bank Altitude Go Visa Secured Card is the best option if you have limited/poor credit and are looking for a high credit limit. You can deposit anywhere from $300 to $5,000, making your maximum credit limit available $5,000.
The American Express Centurion Card, colloquially known as the Black Card, is a charge card issued by American Express. It is reserved for the company's wealthiest clients who meet certain net worth, credit quality, and spending requirements on its gateway card, the Platinum Card.
Here's how most people get trapped in credit card debt: You use your card for a purchase you can't afford or want to defer payment, and then you make only the minimum payment that month. Soon, you are in the habit of using your card to purchase things beyond your budget.
The rarest credit card in the world is likely the Centurion® Card from American Express, also known as the “Black Card.” This card is available by invitation only, and you will reportedly need to spend at least $250,000 per year on other Amex credit cards and have an income of $1 million+ to get it.
The credit score and report you will receive through Mission Credit Confidence Dashboard is a TransUnion credit report with a TransUnion Vantage 3 Score.
Offers boosted rewards rates in several popular spending categories, which make it easy to accrue points. An ideal card for balance transfers because it has an intro APR offer and charges an ongoing APR lower than the current national average.
Yes, credit card rewards are worth it if you pay your credit card bill in full every month. By doing that, you won't be charged credit card interest on your purchases. The great thing about rewards is they allow you to get value back on every eligible purchase, just because you're paying by credit card.
Because we're not-for-profit, any surplus funds are returned to our members as dividends, reduced loan interest and improvements to our products and services. That means we have great rates, lower fees and exclusive discounts.
Introduction: My name is Pres. Carey Rath, I am a faithful, funny, vast, joyous, lively, brave, glamorous person who loves writing and wants to share my knowledge and understanding with you.
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