Navy Federal Credit Union (NFCU) Credit Cards: List, Best Cards & Things You Must Know

Navy Federal Credit Union (NFCU) offers five different credit cards to it’s members. Readers of this site might be interested in these cards because some of them come with sign up bonuses and also have ongoing category bonuses.

Eligibility & Becoming A Member

NFCU is a credit union with restricted membership. You can view the full eligibility requirements here.

There used to be a work around so that anybody could join, but that no longer works. From time to time they offer bonuses for becoming a member, currently you can get $50. It’s important to also remember that becoming a member results in a hard pull.

List Of Credit Cards

As mentioned, NFCU offers five different credit cards to it’s members. They are as follows:

Best Cards

There are only really two cards worth considering and they are:

  • cashRewards:
  • Visa Signature Flagship Rewards
    • Annual fee of $49 waived first year
    • No foreign transaction fees
    • Card earns 2x points per $1 spent
    • Targeted bonus of 40,000 points after $3,000 in spend within the first 90 days of account opening
  • MoreRewards:
    • No annual fee
    • Sign up bonus of up to 30,000 points (worth $300)

Current & Past Promotions

Current:

Past:

Things You Should Know

Things We Want To Know

If you know the answers to any of this, please share in the comments. Pages like this are as useful as readers make them, big thanks to all the readers who contribute.

We’ve done a similar post for other card issuers that you can view below:

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Orin
Orin

William Charles you can reallocate credit limits, but you have to call them and tell it is because you want to do a balance transfer from the card you want to transfer the limit to. the phone rep then submits the request to reallocate limits to a back off lending department. then it gets approved and limit transferred. It is up to you if you actually want to initiate the balance transfer or not as a separate transaction.

also, I know you can have three cards with them as I know two people who do. per what I see from there data points from googling, it appears three is the limit. But I can vouch that you can have three at a time. Have not advised applying for a 4th without closing out one first.

Superchurn
Superchurn

5/24, 3/12,
EQ:761, TU:722 (frozen), EX:762

Responded 12/23/21 to a preapproved Flagship mailer for 50k/$4k/no AF offer. Had TU frozen, which they attempted to pull. Got a “We’ve received your application for a FLAGSHIP REWARDS card and will review it as soon as possible. You can expect an answer within 24-48 hours.”

It seems that preapproval might be based on one specific bureau? I assume I got that language because my frozen TU and they’ll pull EQ or EX before deciding. will update when I find out more

Gadget - Bank Bonus Geek 🕵️

DP: Cannot get more than one NFCU CC approval on the same day, or even within a 3 month period. So, it’s impossible to combine HP’s. Personal cards anyway – not sure about Biz.

I cannot remember where I saw it, but saw a DP recently where someone had called to recon and NFCU said you cannot get more than one card in a 90 day period. I tested it and believe it to be true. I think this guy knows this is true: Dan - Legal Bank Robber

09/30/2019 – Applied and instant approved for MoreRewards Amex TU HP in VA.
12/10/2019 – Applied for CashRewards online. No HP took place. Instant denial. Error said I did not meet “underwriting criteria”. Snail mail letter a week later said “we are unable to approve your application for the following reason: YOUR RECENTLY APPROVED NAVY FEDERAL CREDIT CARD ACCOUNT IS TOO NEW”.
01/02/2020 – Applied and instant approved for CashRewards. TU HP in VA.

Previous card with them was Flagship from May 2018 – May 2019. Too afraid to try to churn the Flagship so I settled for a $250 bonus on the CashRewards. Still waiting on the MoreRewards bonus to post.

Dan - Legal Bank Robber
Dan - Legal Bank Robber

Correct

Leonard
Leonard

I recieved an email with a link to access my card number the day after I was approved.

A phone customer service representative said you have to wait 90 days after joining the credit union to be approved for a card. They also said that beginning on August 26, 2019 you can call in to see if you are pre-approved for any of the cards (This can only be done over the phone).

slowbrake
slowbrake

NFCU data points 7/2/2019:

Called to cancel Flagship rewards 4 days after annual fee posted.
They recommended a product change to keep my credit limit
They will waive the fee, but state it will be few days before it comes off. A supervisor had to be asked to waive the fee – which was done while I was on the phone.
They allowed me to choose if I wanted a Visa or MC cash rewards card (the product I switched to)

James ST
James ST

Data Point: called my nfcu rep (idk she called me shortly after being approved for membership) and did the app for the signature rewards card via phone and she was able to waive the 12.99 expedited shipping fee.

Dan
Dan

Approved for my 3rd navy federal card. This is my 2nd time getting approved for flagship card, previous one was converted within a year of opening. Navy federal cards are churnable and i currently have 3. I am also listed as an authorized user on a 4th one (that one displays in my online account as well)

Ann
Ann

Note from other comments last year, NFCU only approves CCs with at least 91 days in between each, and might have a limit of 3 NFCU CCs (not counting authorized user cards).

bkkkkkkkkk
bkkkkkkkkk

How far apart did you apply for the NFCU cards? Did you receive 50K bonus each time after completing spend?

creditGuyInDixie
creditGuyInDixie

Does Dan or anyone else know the answer to Bkkkkkkkkk’s question? I’ll flesh it out in more detail. Suppose you open a Flagship card on April 15, 2019 and get the bonus on July 30.

When could you apply for your next Flagship card and be eligible for the promotion again?

Could it be as early as a few months after getting the first bonus? Should a person instead wait 12 months — and if so is that 12 months after opening the first Flagship or 12 months after obtaining the bonus?

tribesman55
tribesman55

Does MS work for meeting spend for bonuses on NFCU cards?

Superchurn
Superchurn

id also like to know this

Dan
Dan

after being open for 1 year, converted my flagships to a cash rewards card. during my conversion call i asked about their policy of refunding the annual fee after its charged and they said they will refund if the card is canceled or converted within 1 month of the fee

Dan
Dan

card does not need to be open for 1 year to do product conversion. significant other had one open for 6 months and converted to another product

Gretchen
Gretchen

I have been a member for a long time. Their CD rates are sometimes good, but I have had issues. The worst thing they have done is sent incorrect information to the IRS about IRA contributions. I got a letter from the IRS two years after filing that I owed thousands of dollars as a result of the NFCU error. Of course it was fixed when I sent in proof of the contributions, but I was really angry. NFCU sent out a letter months later saying that they had messed up, and many people were affected.