Cash back with a credit-union APR (capped at 18%) and no balance transfer fee. Membership required.
Rates, fees and offers
- Regular APR
- 14.15%–18% variable
- Annual fee
- $0
- Promo offers
- 1.99% intro APR for 12 months on balances transferred within 60 days. No balance transfer fee.
- Balance transfer fee
- None
- Rewards
- 1.5% cash back on everything (the cashRewards Plus version earns 2%).
Checked September 26, 2026. Offers and rates change often, and your APR depends on your credit. See the issuer’s current terms ↗
Notes
Navy Federal membership is required. The intro rate is 1.99%, not 0%, but with no transfer fee it can still beat 0% cards that charge 3%–5%.
Paying and contacting Navy Federal Credit Union
- Pay by mail
-
The issuer doesn’t publish one address for everyone. Use the payment address printed on your statement.
See all Navy Federal Credit Union cards → · Search all cards
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