Navy Federal cashRewards
The Navy Federal cashRewards from Navy Federal Credit Union earns up to 1.5% effective value on dining in Madeen's catalog snapshot. It has no annual fee. New applicants may see: You can earn $250 cash back when you spend $2,500 within 90 days of account opening.. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Dining
- Effective value
- 1.5%
- Annual fee
- $0
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Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
What does the Navy Federal cashRewards earn in each category?
Dining is the strongest category at 1.5% effective value (1.5% back). That dining rate ranks higher than about 14% of the 1,547 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Dining is the strongest category at 1.5% effective value (1.5% back). That dining rate ranks higher than about 14% of the 1,547 cards we track in that category.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1.5% back | 1.5% Top category |
| Grocery Supermarkets and grocery stores | 1.5% back | 1.5% |
| Gas Gas stations and fuel | 1.5% back | 1.5% |
| Travel Flights, hotels, transit | 1.5% back | 1.5% |
| Other General everyday spend | 1.5% back | 1.5% |
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 cashRewards?
The Navy Federal cashRewards fits spenders who put meaningful volume in dining and can earn 1.5% back. Best for spenders who put meaningful volume in dining and can earn 1.5% back. The welcome bonus can help if you can meet the spend requirement.
Navy Federal cashRewards fits spenders who put meaningful volume in dining and can earn 1.5% back. Madeen ranks its dining effective rate higher than about 14% 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 1.5% back. The welcome bonus can help if you can meet the spend requirement.
Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Pros
- Strongest Madeen category is dining at about 1.5% effective (1.5% back).
- No annual fee in our catalog snapshot.
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- Compare simpler no-fee cards if you want minimum complexity.
Does the Navy Federal cashRewards have an annual fee, and what's the welcome bonus?
The Navy Federal cashRewards has an annual fee of $0 and a foreign transaction fee of None. New applicants may see: You can earn $250 cash back when you spend $2,500 within 90 days of account opening.. Confirm current issuer terms before applying.
- Annual fee
- $0
- Foreign transaction fee
- None
- Signup bonus
- You can earn $250 cash back when you spend $2,500 within 90 days of account opening.
What benefits come with the Navy Federal cashRewards?
The Navy Federal cashRewards includes Auto Rental Collision Damage Waiver, Booking.com, Dovly Uplift™ in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Auto Rental Collision Damage Waiver
Auto Rental Collision Damage Waiver covers theft, damage, valid loss-of-use charges imposed and substantiated by the auto rental company, administrative fees, and reasonable and customary towing charges, due to a covered theft or damage to the nearest qualified repair facility.
- Booking.comIncluded with Visa Signature®
Purchase qualifying stays with your eligible Visa Credit or Debit card and get up to 8% in Travel Credits to use on future flights, stays, car rentals, attractions, car rentals, taxis and more.
- Dovly Uplift™Included with Visa Signature®
Get free access to Dovly Uplift. Dovly helps you raise your credit score and get more for your money. While Dovly's platform is designed to remove inaccuracies from your credit report, every case is different, and not everyone will achieve the same results.
- Global Entry Statement CreditIncluded with Visa Signature®
Apply for Global Entry, a U.S. Customs and Border Protection program and use your Visa Signature card to pay the application fee (currently $120) to receive a $120 statement credit.
- Golf Benefits from Troon Rewards®Included with Visa Signature®
Enjoy automatic Silver Status when you sign up for Troon Rewards®, for 10% savings on golf fees, merchandise and lessons at over 150 golf courses across the United States and the world.
- OpenTableIncluded with Visa Signature®
Eligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
- Priority Pass airport lounge accessIncluded with Visa Signature®
Enjoy access to over 1,700 airport lounges and experiences around the globe.
- Roadside Dispatch®Included with Visa Signature®
This is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Common questions about the Navy Federal cashRewards
Does the Navy Federal cashRewards have an annual fee?
The Navy Federal cashRewards 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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What category earns the most with the Navy Federal cashRewards?
Dining is the strongest Madeen category for the Navy Federal cashRewards at about 1.5% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Does the Navy Federal cashRewards charge foreign transaction fees?
The Navy Federal cashRewards 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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What is the Navy Federal cashRewards welcome bonus?
The Navy Federal cashRewards welcome offer in our snapshot: You can earn $250 cash back when you spend $2,500 within 90 days of account opening.. Minimum spend, eligibility, and offer windows are set by the issuer and can change. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What credit score do you need for the Navy Federal cashRewards?
Madeen's catalog lists a typical credit range of Good to Excellent for the Navy Federal cashRewards. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How do you redeem rewards on the Navy Federal cashRewards?
Rewards on the Navy Federal cashRewards 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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How does the Navy Federal cashRewards compare to similar cards?
Compare the Navy Federal cashRewards 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 cashRewards This card | Dining | 1.5% | $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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