[Expired] Navy Federal Credit Union (NFCU) cashRewards Credit Card: $250 Bonus

Deal has expired, view more credit card bonuses by clicking here.

Update 10/16/19: Deal is back. Hat tip to reader Alex

The Offer

Direct link to offer

  • Get a sign up bonus of $250 when you spend $2,500 or more within 90 days of opening a new cashRewards card from Navy Federal Credit Union

 

Card Details

  • Card earns 1.5% cash back on all purchases
  • No annual fee

Our Verdict

Highest bonus on this card was previously $200, so this is an extra $50. NFCU is also offering a bonus of 50,000 points on the Flagship rewards card as well.It’s not worth using this card after you get the sign up bonus as there are other credit cards that offer a higher rate on everyday purchases, but the sign up bonus might be attractive to some people.

Navy Federal is only available for military and veterans – full eligibility information can be found here (plus family members. Even if they are deceased). Keep in mind that joining NFCU is a hard pull, it’s possible you’ll land up with two hard pulls if you join and signup for the card, but hopefully those will be combined. Learn more about Navy Federal credit cards in the post Navy Federal Credit Union (NFCU) Credit Cards: List, Best Cards & Things You Must Know.

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Looney Tunes
Looney Tunes

William Charles Deal is back until June 30, 2020 but the terms have changed.

It is now “earn $150 bonus cash back when you spend $3,000 within 90 days of account opening”.

Shirley
Shirley

William Charles They also offer a Navy Federal More Rewards American Express® Card where you’ll earn 25,000 bonus points (a $250 value) when you spend $3,000 within 90 days of account opening. Good until August 31, 2020.

https://www.navyfederal.org/loans-cards/credit-cards/offers/more-rewards.php?

Gadget - Bank Bonus Geek 🕵️

Applied and approved today. Instant approved. HP on TU (VA). This will be my 3rd ever NFCU card, but I closed the Flagship last year when the AF hit. MoreRewards Amex I am still waiting on the bonus. Just over 90 days ago I opened it.

I thought about trying the Flagship again, but I had no faith that NFCU will be ok with Churning a bonus… I got 40K points in 2018, not 50K.

Dinarte
Dinarte

Any reason you didn’t product change it?

Gadget - Bank Bonus Geek 🕵️

If I remember correctly, the CSR I had on the phone was very iffy if I was going to not have to pay the Flagship AF because it had already posted. So, in my mind, if I closed it, they would certainly not expect payment. They did credit the AF back before shutting down the account.

Without my supervision, SO called and PC’ed the Flagship when her AF posted. They steered to the GoRewards (worthless 1% points back card) because it was the same point system. They incorrectly told her that her existing points would carry over, but they didn’t. There was only like $5 worth left, but still.

Dinarte
Dinarte

Naw I have freely bounced back and forth on all cards but the Flagship. I currently have the platinum, Gorewards, Morerewards, and Biz Mastercard.

Gadget - Bank Bonus Geek 🕵️

I also forgot to mention, I tested the 90 days since NFCU last approved credit card. I got the MoreRewards back in late Sept, applied for the CashRewards in mid-December. That time I got instant denial – no hard pull. Error said I didn’t meet underwriting criteria. Snail mail letter arrived a week later saying something to the effect that they can only approve one card per 90 days. It’s listed on the DoC list of things to know about NFCU cards, and I can confirm it’s real. LOL

L
L

I opened NFCU savings account early 2018. They sent me many offers via email and snail main to open this card. In November, I gave in when they offered $300 bonus cash back after spending $3,000 in the first 90 days of opening.

Also, like someone else said, there’s no foreign transaction fee on NFCU cards.

Duke I.
Duke I.

Approved! I applied about an hour ago and got the 24 hours review message. I didn’t think I’d get approved since I have 2 cards with them totaling $20,000 that I haven’t used in more than a year. Plus I’m running a balance on another 0% interest card until June 2020.

tribesman55
tribesman55

Does this card use points as its rewards system like their other cards or actual cash back?

Sam
Sam

Actual cash back

Jethro Tuller
Jethro Tuller

I joined in April 2019 and it was a soft pull. But I did not get a credit card.

Joe buck
Joe buck

Anyone applied for both flagship and this one on same day? Do they combine HP’s

Toad
Toad

Won’t work. I’ve tried the 2x twice for NFCU and failed. First one gets approved and second gets denied. HPs combine, but you are wasting your time.

TomT
TomT

You need to update the “Navy Federal Credit Union (NFCU) Credit Cards: List, Best Cards & Things You Must Know” post to include their $0 AF Amex More Rewards with 30k points after $3k spend in 90 days and add it to the list of those worth getting from Navy FCU.

guybucktastik
guybucktastik

the list of cards worth getting from NFCU are:

1. Flagship Rewards Visa
2. Flagship Rewards Visa
3. Flagship Rewards Visa
4. They only let you have three cards at a time.

creditGuyInDixie
creditGuyInDixie

Aside from the general “three month” restriction mentioned a few times earlier in this thread, how long does a person have to wait after getting his first Flagship Rewards bonus, before opening a 2nd FR card and getting the bonus there too?

millionairenextdoor
millionairenextdoor

Speaking of the Flagship, it’s been a year since I opened my first one. Time to re-up and open another.

Stan
Stan

any chance they would approve Flagship and this card on the same day?

Justin
Justin

They won’t. Only 1 every 90 days and after 3 statements too on the most recent card.

Gadget 🕵️
Mike B
Mike B

The thumbnail on the main page cuts this off perfectly so it says “0 Bonus Cash”

I was quite confused there for a second!