Our illustration, not the card’s design
Navy Federal credit card
GO REWARDS® Credit Card
No annual fee. Purchase APR 13.49–18.00%, variable. No foreign transaction fees.
Checked Nov 1, 2026Updated
- Annual fee
- Receipt · Annual feeChecked Nov 1, 2026
Issuer document · navyfederal.org · PDF
The source states this figure; we have no exact sentence on file yet.
- Purchase APR · variable
- Receipt · Purchase APRChecked Nov 1, 2026
Issuer's page · navyfederal.org
“Purchase & Balance Transfer Variable APR between 13.49% - 18.00% Footnote [2]”
- Foreign transactions
- Receipt · Foreign transactionsChecked Nov 1, 2026
Issuer's page · navyfederal.org
“No foreign transaction fees”
- Credit asked
- Average to Excellent
Select an underlined figure to see where it comes from.
In dollars
What it’s worth
Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
| Spending | Value against the fee | First year | After |
|---|---|---|---|
| Light spender | $155 | $155 | |
| Typical spender | $395 | $395 | |
| Heavy spender | $840 | $840 |
The spending each assumes, and what isn’t counted
- Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month
Assumed: points valued at an assumed 1¢.
$155a year
The same in the first year and after.
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: points valued at an assumed 1¢.
$395a year
The same in the first year and after.
The spending this assumes
A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: points valued at an assumed 1¢.
$840a year
The same in the first year and after.
The spending this assumes
A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: points valued at an assumed 1¢.
Use your own spending
Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards
Against the market
How it compares
Worth more to a typical spender than about 80% of the 732 cards we track.
- No annual fee, like about 85% of the 711 cards we track.
- Lower top APR than about 75% of the 651 cards we track.
Other points cards with no annual fee
- Kirtland FCU VISA PLATINUM REWARDSKirtland Federal Credit Union · No annual fee+$360 a year
- CareCredit MastercardSynchrony · No annual fee+$315 a year
- Advanced Financial FCU Everyday Rewards VisaAdvanced Financial Federal Credit Union · No annual fee+$300 a year
Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
GO REWARDS Program
How you earn
- 3×
- restaurants
- 2×
- gas
- 1×
- Everything else
Points per dollar. “What it’s worth” values a point at an assumed 1¢.
Benefits
- Rental car
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 1, 2026 Issuer document · navyfederal.org · PDF The source states this figure; we have no exact sentence on file yet. |
|---|---|
| Purchase APR | Receipt · Purchase APRChecked Nov 1, 2026 Issuer's page · navyfederal.org “Purchase & Balance Transfer Variable APR between 13.49% - 18.00% Footnote [2]” |
| Intro APR | Receipt · Intro APRChecked Nov 1, 2026 Issuer's page · navyfederal.org “Get a 0.99% intro APR on purchases for the first 6 months of account opening.” |
| Balance transfer APR | Receipt · Balance transfer APRChecked Nov 1, 2026 Issuer's page · navyfederal.org “Purchase & Balance Transfer Variable APR between 13.49% - 18.00% Footnote [2]” |
| Balance transfer fee | Receipt · Balance transfer feeChecked Nov 1, 2026 Issuer's page · navyfederal.org “No balance transfer fees” |
| Cash advance APR | Receipt · Cash advance APRChecked Nov 1, 2026 Issuer document · navyfederal.org · PDF “Cash Advance APR 18.00%” |
| Cash advance fee | Receipt · Cash advance feeChecked Nov 1, 2026 Issuer document · navyfederal.org · PDF “Otherwise, $0.50 per domestic transaction or $1.00 per foreign transaction.” |
| Penalty APR | Receipt · Penalty APRChecked Nov 1, 2026 Issuer document · navyfederal.org · PDF “Penalty APR and When It Applies 18.00%” |
| Late payment | Receipt · Late paymentChecked Nov 1, 2026 Issuer document · navyfederal.org · PDF “3Late Payment Fee: You will be required to pay a late payment fee of up to $20.00 if you do not pay at least the minimum payment by the payment due date on your statement.” |
| Returned payment | Receipt · Returned paymentChecked Nov 1, 2026 Issuer document · navyfederal.org · PDF “• Returned Payment • None” |
| Foreign transactions | Receipt · Foreign transactionsChecked Nov 1, 2026 Issuer's page · navyfederal.org “No foreign transaction fees” |
| Grace period | Receipt · Grace periodChecked Nov 1, 2026 Issuer document · navyfederal.org · PDF “Paying Interest Your due date is at least 25 days after the close of each billing cycle.” |
| Minimum interest charge | Receipt · Minimum interest chargeChecked Nov 1, 2026 Issuer document · navyfederal.org · PDF “Minimum Interest Charge None” |
Before you apply
- Credit the issuer asks for: Average to Excellent (issuer’s page).
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
Questions
- What is the annual fee?
- None · navyfederal.org · PDF, since Nov 1, 2026
- Does it charge a foreign transaction fee?
- No. · navyfederal.org, since Nov 1, 2026
- What is the purchase APR?
- 13.49–18.00% APR · navyfederal.org, since Sep 29, 2026
- Is there an intro APR?
- 0.99% for 6 months. · navyfederal.org, since Sep 29, 2026
- What credit do you need?
- Average to Excellent · navyfederal.org · PDF, since Nov 1, 2026