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Navy Federal Go Rewards Card review

Use the Navy Federal goRewards card to earn accelerated points at restaurants and on gas purchases.

  • Get this card if you are affiliated with the military and you often dine out.
  • Pick something else if you want accelerated rewards on other categories.
  • Apply with a fair credit score of 580 or higher.
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Up to 3x



Annual fee

8.99% to 18%

Purchase APR (variable)


Intro balance transfer

for the first 12 months (then 8.99% to 18% variable)


Annual fee$0
Welcome OfferN/A
Rewards3x points at restaurants 2x points on gas and 1x points on everything else
Purchase APR8.99% to 18% variable
Balance transfer APR1.99% intro for the first 12 months (then 8.99% to 18% variable)
Recommended minimum credit score580

Review by

Kliment Dukovski is a credit cards and investments writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.

Expert review

The Navy Federal Go Rewards Card comes with a $0 annual fee and a rewards program with 3x points at restaurants, 2x points on gas and 1x points on all other purchases. Also, you won’t pay any fees on balance transfers, foreign transactions and cash advances.

Another money-saving feature is the 1.99% intro APR period on balance transfers and purchases for your first 12 months. After that, your rate reverts to variable 8.99% to 18% depending on your creditworthiness. This is by far one of the lowest interest rates you can find in a rewards credit card. Plus, you don’t need an excellent credit score for approval; you can apply with a credit score as low as 580.

How to apply for the Navy Federal Go Rewards Card?

You must be a Navy Federal Credit Union member to apply for the card.

  1. Once you are a member, visit the Navy Federal Credit Union website and sign in to your account.
  2. Locate the Navy Federal Go Rewards Card.
  3. Click Apply and fill out the application form.
  4. Review the form and submit.

Navy Federal Union Membership eligibility

Your NFCU membership is for life. While you can transition from your military service to a civilian career, you must keep your accounts open. Otherwise, you’ll have to meet the eligibility criteria if you decide to rejoin the union.

To be eligible for Navy Federal Credit Union Membership, you must be one of the following:

  • Active duty, retired or a veteran
    • Army
    • Marine Corps
    • Navy
    • Air Force
    • Coast Guard
    • Delayed Entry Program (DEP)
    • Air National Guard
    • DoD reservists
    • DoD officer candidate/ROTC
  • Department of Defence civilians
    • DoD civilian employees
    • US Government employees assigned to DoD installations
    • DoD contractors
    • DoD civilian retirees and annuitants
  • Family members
    • Parents and grandparents
    • Spouses
    • Siblings
    • Children and grandchildren
    • Household members

What credit score do I need?

Apply with a fair credit score of 580 or higher.

Card benefits

  • Earn points. Earn 3x points at restaurants, 2x points on gas, and 1x points on all other purchases.
  • Intro APR period on balance transfers and purchases. This card sports a 1.99% intro APR on purchases and balance transfers for the first 12 months following your account opening. After that, a variable APR of 8.99% to 18% applies.
  • Few fees. This card doesn’t carry foreign transaction fees, balance transfer fees or fees on cash advances. You also won’t pay an annual fee to use this card.
  • Easy to qualify for. You can apply for this card with a credit score as low as 580.

What to watch out for

  • No signup bonus. Unlike many rewards cards, this card doesn’t offer a signup bonus.
  • NFCU members only. You can only apply for this credit card if you’re a member of the Navy Federal Credit Union.

Compare credit cards with military benefits

Name Product Filter values Rewards Purchase APR Annual fee
Citi® Double Cash Card
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
13.99% to 23.99% variable
Earn up to 2% on every purchase with no annual fee. This is the highest flat-rate cashback card on the market.
Luxury Card Mastercard® Gold Card™
1x points on all purchases with 2% point value when you redeem for airfare or cash back
14.99% variable
Earn 2% point value when redeemed for airfare or cash back through the Luxury rewards program.
The Platinum Card® from American Express
10x points at restaurants worldwide and when you Shop Small in the US on up to $25,000 combined in the first 6 months, 5x points on prepaid hotels booked with American Express Travel, 5x points on directly-booked flights on up to $500,000 annually, then 1x points after that and on other purchases
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Bottom line

The Navy Federal Go Rewards Card is a solid rewards credit card, especially if you don’t have a stellar credit score. Aside from earning accelerated points at restaurants and gas, you’ll save money on fees as the card has no annual fee, no cash advance fees, no balance transfer fees and no foreign transaction fees.

But if you don’t find this card appealing, check out other credit cards with rewards and compare your options.

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