Navy Federal GO BIZ® Rewards
Navy Federal Credit Union and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Navy Federal Credit Union. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The Navy Federal GO BIZ® Rewards from Navy Federal Credit Union earns up to 1% effective value on dining in Madeen's catalog snapshot. It has no annual fee.
- Top category
- Dining
- Effective value
- 1%
- Annual fee
- $0
Worth a look for dining spend if you need a business card and can use cash back the way you redeem today. Best for spenders who put meaningful volume in dining and can earn 1% back.
What does the Navy Federal GO BIZ Rewards earn in each category?
Dining is the strongest category at 1% effective value (1% back). That dining rate ranks higher than about 2% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Navy Federal GO BIZ Rewards compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 1% effective value (1% back). That dining rate ranks higher than about 2% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Navy Federal GO BIZ Rewards compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1% back | 1% Top category |
| Grocery Supermarkets and grocery stores | 1% back | 1% |
| Gas Gas stations and fuel | 1% back | 1% |
| Travel Flights, hotels, transit | 1% back | 1% |
| Other General everyday spend | 1% back | 1% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the Navy Federal GO BIZ Rewards?
The Navy Federal GO BIZ Rewards fits spenders who put meaningful volume in dining and can earn 1% back. Best for spenders who put meaningful volume in dining and can earn 1% back.
Navy Federal GO BIZ Rewards fits spenders who put meaningful volume in dining and can earn 1% back. Madeen ranks its dining effective rate higher than about 2% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 1% back.
Mostly a flat base earn card without strong category bonuses.
Worth a look for dining spend if you need a business card and can use cash back the way you redeem today.
Pros
- Strongest Madeen category is dining at about 1% effective (1% back).
- No annual fee in our catalog snapshot.
- No foreign transaction fee listed.
Cons
- Business card — rewards and liability rules differ from consumer cards.
Does the Navy Federal GO BIZ Rewards have an annual fee?
The Navy Federal GO BIZ Rewards has an annual fee of $0 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- None
What benefits come with the Navy Federal GO BIZ Rewards?
The Navy Federal GO BIZ Rewards includes Adobe, Auto Rental Collision Damage Waiver, Boingo Wi-Fi in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
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Common questions about the Navy Federal GO BIZ Rewards
Does the Navy Federal GO BIZ Rewards have an annual fee?
The Navy Federal GO BIZ Rewards carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Navy Federal GO BIZ Rewards?
Dining is the strongest Madeen category for the Navy Federal GO BIZ Rewards at about 1% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Navy Federal GO BIZ Rewards charge foreign transaction fees?
The Navy Federal GO BIZ Rewards does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
What credit score do you need for the Navy Federal GO BIZ Rewards?
Madeen's catalog lists a typical credit range of Excellent for the Navy Federal GO BIZ Rewards. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the Navy Federal GO BIZ Rewards?
Rewards on the Navy Federal GO BIZ Rewards post as cash back. Redemption value depends on how you use cash back (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How do I maximize rewards on the Navy Federal GO BIZ Rewards?
To maximize the Navy Federal GO BIZ Rewards, route dining and other bonus categories through this card when they match your spend, then compare it against cards you already carry with Madeen at checkout.
How does the Navy Federal GO BIZ Rewards compare to similar cards?
Compare the Navy Federal GO BIZ Rewards against Navy Federal GO REWARDS (3% on Dining, $0 fee); Navy Federal More Rewards American Express (3% on Dining, $0 fee); Navy Federal cashRewards Plus (2% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Navy Federal GO BIZ Rewards This card | Dining | 1% | $0 |
Navy Federal Credit Union | Dining | 3% | $0 |
Navy Federal Credit Union | Dining | 3% | $0 |
Navy Federal Credit Union | Dining | 2% | $0 |
Navy Federal Credit Union | Dining | 2% | $49 |
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Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
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Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
Navy Federal Credit Union and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Navy Federal Credit Union. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure