How We Picked These Cards
We chose these Navy Federal Credit Union credit cards by looking at the overall perks compared to the costs for the consumer.
We also tried to pick cards in categories that would be relevant to current and potential Navy Federal Credit Union members, including active-duty military personnel and their families.
Navy Federal Cashrewards Credit Card: $250 Bonus
This cash-back card offers 1.75% back on your purchases if you have direct deposit and 1.5% without direct deposit. You can start redeeming rewards as soon as you earn them theres no limit and they never expire as long as your account remains in good standing. All Navy Federal credit cards come with 24/7 access to U.S.-based customer service and no fees for balance transfers or foreign transactions.
- Cash value: $250
- Promotions page:Auto loan refinance bonus offer
Rentalcarscom Terms & Conditions Offer Available Only For American Express Cards Issued By A Licensed Third Party At The Countries Listed Below Cards Issued By American Express Or Its Subsidiaries Are Not Eligible For This Offer This Offer Is Made By Rentalcarscom And It Is For A 10% Discount On The Carelement Of A Car Rental Booking And Excludes Any Taxes Or Extras Such As Child Seats Full Protection Additional Drivers Insurance Gps Etc To Redeem This Offer You Must Click Book Here To Save 10% And Insert The Valid Promotional Code Provided By Americanexpress At The Payment Page Discount Will Be Automatically Applied To Eligible Charges The Discount Is Only Valid When Using The Dedicated Link Provided By American Express And Not At Rentalcarscom For Any Eligible Cards Issued In The Usa And Canada Onlyinternational Car Rental Bookings Are Eligible For The Discount You Must Be At Least 21 Years Of Age To Rent A Car And Any Driver Under 25 May Have To Pay A Young Driver Fee May Not Be Combined With Other Promotions Ordiscounts And Is Not Applicable Towards Prior Bookings The Discount Cannot Be Exchanged For Cash Balance Remaining And Cannot Be Used For Credit Payments Any Information You Provide To Rentalcarscom Will Be Subject To Rentalcarscoms Privacy Policies And Termsof Use Fulfillment Of The Offer Is The Sole Responsibility Of Rentalcarscom Offer Is Non
Receive complimentary value-added benefits when you book a vacation package with us through one of our many travel partners. Please see Travel Concierge Terms and Conditions.
Enjoy exceptional benefits when you book a voyage with one of our cruise line partners through the Travel Concierge. Please see Travel Concierge Terms and Conditions.
Protects a covered item purchased entirely with the Card against accidental damage and theft for 90 days from the date of purchase, in excess of other applicable insurance. Please see Terms and Conditions below.
Phone: 1-866-643-6873 Worldwide Collect: 312-935-9241
Available 24 hours a day, 365 days a year.
Enables Covered Cardmembers to be reimbursed for covered items if they attempt to return them undamaged to the retailer, but the retailer will not accept the return. Please see Terms and Conditions below.
Phone: 1-866-643-6873 Worldwide Collect: 312-935-9241
Available 24 hours a day, 365 days a year
Best Value Guarantee
Pays the overage if the Covered Person sees, within 30 days of making qualified purchase, an identical item advertised in print at a lower price than originally paid. Please see Terms and Conditions below.
Phone: 1-866-643-6873 Worldwide Collect: 312-935-9241
Available 24 hours a day, 365 days a year
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Best For No Or Limited Credit: Nfcu Nrewards Secured Credit Card
Heres why: We like this secured card option for the ways it can help cardholders establish or rebuild their credit, all while taking advantage of a few rewards offers.
If you dont have a robust credit profile, or youre trying to rebuild your credit, your options for credit cards can be limited. A secured option can help in this scenario, because its backed by collateral in the form of a cash deposit. This deposit can reduce risk for credit card companies and increase your chances of approval.
The Navy Federal Credit Union nRewards® Secured credit card is a great option, as its a secured card that also offers one rewards point for every $1 spent points that can be converted into cash back, statement credits, gift cards or merchandise.
Before applying, cardholders deposit a minimum of $200 into a savings account, which earns interest while serving as the collateral to secure your card. This deposit will determine your credit limit.
What sets this card apart is a regular review process, starting after six months of activity, that could result in the return of your deposit and a transition to an unsecured credit card. Theres also no annual fee.
If youd prefer an unsecured card from the start, read our article on the best unsecured credit cards for building credit.
I Remember I Went To The Dealership And
I remember I went to the dealership and decided to take a look for a new car. After I convinced myself that I found one that I really liked the whole process started with the salesperson. I remember asking him if I could use Navy Federal as my lender but they run my credit with others lenders and came back with one lenders approval with a 11.64% APR. I noticed the payments were to high but since it was a new car I didnt put much attention until I started making the payments. Then after few months I saw the Financial Charges were even higher than my Paid Balance. That was when I decided to transfer my loan to Navy Federal having the certainty that theyd give me a better APR which it was a 3.99%. This was a great release. Its helping me a lot financially. I regret not to transfer my loan way before with Navy Federal. Thank you Navy Federal!
Reply from Navy Federal Credit Union
Thank you so much for your review, Chichi! We are so happy we could help with your refinance!Hayden, Navy Federal Social Care Team
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When Will I Receive My Debit Card
If you open your checking account online or over the phone, well mail your debit card to the address listed on your application within 1 business day. Actual delivery of the card depends on postal service in your area. You can also open a checking account in a branch and receive your debit card while youre there.
Navy Federal Credit Union Review
Navy Federal Credit Union has a long-standing history catered to active/retired military service members. Today, Navy Federal Credit Union is headquartered in Vienna, Virginia, and serves more than 8 million members. The credit union serves its members through numerous locations in states all across the country. If you want to find out more about the bank, visit a local branch, and get started.
|Eligibility: Membership is open to members of active duty Army, Marine Corps, Navy, Air Force, Coast Guard, Army and Air National Guard, Department of Defense Officer Candidate/ROTC, Department of Defense Reservists, retirees from military service, Department of Defense civilian employees and contractors and retirees, U.S. Government Employees Assigned to Department of Defense Installations. Membership is also open to immediate family of current members or those eligible for membership. For a full list of eligibility see their full list of membership requirements.|
Navy Federal Credit Union has a decent bonus, but not so great CD and Savings rates, so check out our best rates Savings, Money Market, and CD accounts.
If youre not local to the state of Indiana, use our bank bonuses page to find other offers. Some popular bank offers include Chase Bank, Discover Bank, TD Bank, Huntington Bank, HSBC Bank, and many more.
Ill go over all Navy Federal Credit Union offers below.
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Paper Application By Mail
I then printed out the Navy Federal Credit Union membership application form and I filled it out by hand. I marked Association/Community/Company in Section B. I left Section C Affiliation blank. I checked Employed Outside the Government in Section D. The member savings account was required. I also opened an Everyday Checking account, which has no monthly fee and no minimum balance. According to comments on DepositAccounts.com, a checking account is needed for transferring money out of the credit union by ACH pulls because the Navy Federal member savings account does not accept ACH pulls.
I attached a printout of the receipt email from the Navy League, with an arrow drawn pointing to San Diego council. I also attached a check for $5 payable to Navy Federal Credit Union as the deposit to the member savings account. Although the application didnt ask for it, I also included a copy of my drivers license, because many other banks and credit unions want it as proof of identity.
I sent these by mail to the address on the bottom of the Navy Federal Credit Union membership application form.
Our Members Are The Mission
Our Member Service Representatives work stateside, all day, every day, answering member calls. Last year alone, they answered 34 million calls. We get to know you on the phone and in the branches: all your questions, all the goals your working towardyour own personal missions. And, we’re here to help. Read real tips for real life, from our reps:
Real Tips for Real Life From Our Member Service Reps Around the World
I try to advise members to pay themselves first before paying any bills when it comes to saving. Start with a money market account and set aside as much as you can afford, or open a certificate if you don’t need the funds right away. That way, if any unexpected life events occur, you won’t have to go into debt to pay for them.
I recommend having multiple savings accounts for different goals and then adding them to your direct deposit so the money goes directly into them. It also allows you to stay on track within the timeframe you have set to accomplish your goals.
I always recommend setting up your monthly bills on Auto Pay through the biller. It ensures that your bills are paid on time to avoid late fees and potential credit marks. And, if you use your Navy Federal rewards credit card for your utilities, insurance, etc., you also earn reward points or cash back for paying your bills!
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Best For Low Interest: Nfcu Platinum Credit Card
Heres why: This card offers the potential for the lowest ongoing potential variable on purchases and balance transfers out of all the Navy Federal Credit Union cards. If could be a good option for those who may carry a balance from month to month.
The Navy Federal Credit Union Platinum credit card offers a low variable APR between 5.99% and 18% on purchases and balance transfers. Your rate within that range is based on your credit profile. So its important to consider that youll only score the best rate if you have a good credit history.
If you do get a low APR, this card can be a great way to minimize extra charges if youre paying off your balance over time. And even better? Theres no annual fee.
Should You Consider Opening An Account At Navy Federal Credit Union
Navy Federal Credit Union members enjoy low rates and fees on banking products and loans. They can also earn discounts that can add up to big savings over time, similar to offerings from other .
If you have friends and family who also qualify for membership, you can earn some decent cash by referring them to the credit union. Just make sure that the financial products, loans and banking services meet your needs.
contributed to the reporting for this article.
Information on promotions is accurate as of Dec. 2, 2021. Additional requirements may apply. Offers and terms are subject to change.
Editorial Note: This content is not provided by Navy Federal Credit Union. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by Navy Federal Credit Union.
This article has been updated with additional reporting since its original publication.
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Another Backdoor But It Doesnt Allow Everyone In
If youre not yet a Navy Fed member, you may still be able to join even though youre not in the military. In February, Navy Fed announced an expansion of its field of membership to include veterans and their families. If you have an immediate family member who has ever been in the military, you are eligible to join. Immediate family members include grandparents, parents, spouses, siblings, grandchildren, and children. Veterans and their family members can join via all channels however, if your veteran family member is not already a Navy Federal member, you have to apply by phone or at a branch. It cant be done online.
I have more details in this February blog post.
Entertainment Access Terms & Conditions *american Express Card Members Have Exclusive Access To Tickets Before The General Public For The Specified Sales Window Simply Pay With Your American Expresscard Tickets Are Subject To The Rules Terms & Conditions And Fees Set By The Ticket Seller Promoter And/or The Venue As Applicable Offer Is Fulfilled By Ticket Seller Subject To Availability And May Be Changed Or Revoked At Any Time Not All Seats Available And Blackout Dates May Apply All Sales Final No Refunds No Exchanges Offer Valid In Select Cities During The Specified Sales Period Tickets Are Available Exclusively To All American Express Card Members Tickets Must Be Purchased With An American Express Card Standard Service Charges Apply Offer Is Subject To Availability Not All Seats Are Available And Blackout Dates Apply All Sales Final No Refunds No Exchanges Offer May Be Changed Or Revoked At Any Time At The Sole Discretion Of American Express Some Events May Not Be Accessible To Card Members With Disabilities
#AMEXFORFOODIES Dining Benefits – Support Local Restaurants and Get Rewarded
Enjoy up to 20% off your bill or a free appetizer for dine-in or take-out at participating restaurants.
Eligible American Express Cardmembers can receive one of these benefits: Up to 20% Off or Free appetizer. Terms apply*
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About Navy Federal Credit Union
At the end of the Great Depression, a group of seven Navy Department employees founded Navy Federal Credit Union. Their goal was to create a place where they and their co-workers could save or borrow money and work toward individual financial goals. Today, credit union membership is open to members of all branches of the military.
Navy Federal Credit Union has more than 10 million members. The credit union has more than $148 billion in assets and 345 branches around the world.
Whats The First Obstacle On The O
So the obstacle course, or O-course, is a 20 obstacle course that all first phase trainees have to complete in 12 minutes or less.
Its such a treacherous course that even active-duty SEALs sometimes use it as part of their deployment workups.
Anyone, and I mean ANYONE, that has been through the O-course as many times as a trainee has will know the names of EVERY obstacle on the course.
So what is the first obstacle on the O-Course?
Its 2 sets of parallel bars next to each other, where the person running the course has to shuffle across the bars using their arms.
Heres a full list of all of the obstacles on the Navy SEAL O-course in order from start to finish:
1. Parallel Bars19. Spider Wall20. Vaults
It should be easy to trip up a phony SEAL by asking them to name any of the obstacles on the O-Course.
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About Navy Federal Credit Union Promotions
Navy Federal Credit Union has a long standing history catered to active/retired military service members. Today, Navy Federal Credit Union is headquartered in Vienna, Virginia, and serves more than 8 million members. Additionally, the credit union serves its members through numerous locations in states all across the country. If you dont meet the membership requirements below, check out more bank bonuses here to find the offer for you.
- Routing Number: 256074974
- Customer Service: 1-888-842-6328
|Eligibility: Membership is open to members of active duty Army, Marine Corps, Navy, Air Force, Coast Guard, Army and Air National Guard. Department officers, retirees, civilian employees and contractors also qualify. Please read more on eligibility here. See current membership details|
Ill review the current Navy Federal Credit Union Promotions below.
|OUR CURRENT TOP PROMOTIONS|
Verify Your Info To Get Started
Then, start referring peopleand earn your bonus cash back!
Open to Navy Federal members who receive an email invitation to the program, are Navy Federal Credit Card holders in good standing at the time the credit is posted to your account, legal residents of the 50 U.S. & D.C., and 18 years of age or older. Referral program ends 9/30/2022.
Limit to 3 referral awards per Navy Federal member, including referrals achieved through social sharing. Offer does not apply to the nRewards Secured® card.
- Keep your entire receipt in one shot.
- No cutting or folding your receipt.
- Must be in JPG, GIF, PDF or PNG file format.
- Do not exceed 5 MB.
- We love your smile, but no selfies, please.
- You’ll receive an email response within 72 hours after submission.
- Keep your receipt after this upload process, just in case.
- See Official Rules for qualifying purchase and complete details.
Make sure that your receipt image clearly shows the retailer, purchase date and timestamp, eligible product purchased, purchase price and receipt total.
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