cashRewards Plus from Navy Federal: annual fee, APR and rewards
Fact sheet for the cashRewards Plus, issued by Navy Federal, with no annual fee, an intro APR offer and cash back. Every detail below comes from the issuer’s pricing and terms pages, checked on the date shown at the end of the page.
| Issuer | Navy Federal |
|---|---|
| Annual fee | $0 |
| Rewards | Cashback: Unlimited 2% cash back on all purchases with cashRewards Plus. |
| Purchase APR | Variable APR between 14.15% to 18.00% |
| Intro APR | 1.99% introductory APR for 12 months (applies to balance transfers requested within 60 days of account opening). After that, your standard variable APR between 14.15% and 18.00% will apply. |
| Balance transfer fee | None |
| Sign-up bonus | You can earn $250 bonus cash when you spend $2,500 within 90 days of account opening. |
| Foreign transaction fee | None |
| Credit level | Excellent, Good, Fair |
What new cardholders actually got
In the CFPB's Terms of Credit Card Plans survey for July to December 2025, new accounts on this card got a median purchase APR of 18.00%, with a range of 14.40% to 18.00%. The advertised range above is what the issuer offers today; the survey shows where approved applicants landed.
Source: Consumer Financial Protection Bureau, Terms of Credit Card Plans survey.
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Checked on October 16, 2026 on the issuer's official site. Terms change: confirm before you apply. navyfederal.org/loans-cards/credit-cards/cash-rew… · navyfederal.org/loans-cards/credit-cards · navyfederal.org/content/dam/nfculibs/pdfs/credit-…