GO REWARDS® Credit Card from Navy Federal: annual fee, APR and rewards
Fact sheet for the GO REWARDS® Credit Card, issued by Navy Federal, with no annual fee, an intro APR offer and points. 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 | Points: 3X points at restaurants, 2X points on gas, 1X points on everything else. |
| Purchase APR | Purchase & Balance Transfer Variable APR between 13.49% - 18.00% |
| Intro APR | 0.99% introductory APR for 6 months (applies to purchase transactions made during 6 months of account opening). After that, your standard variable APR between 13.49% and 18.00% will apply. |
| Balance transfer fee | None |
| 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 16.12%, with a range of 13.74% 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.
Similar cards
Platinum Rewards Secured Visa® Card
Andrews Federal Credit Union · Visa
- Annual fee
- $0
- Rewards
- Points
- APR
- 18.00%
Bank of America® Travel Rewards Credit Card for Students
Bank of America · Visa
- Annual fee
- $0
- Rewards
- Points
- APR
- 17.74% to 27.74%
Bank of America® Travel Rewards Visa® secured credit card
Bank of America · Visa
- Annual fee
- $0
- Rewards
- Points
- APR
- 27.74%
- Credit
- Good, Poor
Checked on October 16, 2026 on the issuer's official site. Terms change: confirm before you apply. navyfederal.org/loans-cards/credit-cards/go-rewar… · navyfederal.org/loans-cards/credit-cards · navyfederal.org/content/dam/nfculibs/pdfs/credit-…