GO REWARDS Credit Card

GO REWARDS

Last Updated: 02/25/2026

Rating
2.8 / 5
Sign Up Bonus
No Welcome Bonus
Annual Fee
$0
Credit Score
Fair

Summary

Sign-Up Bonus
0
Spending Multipliers
3.5
Credits & Features
0.5
Fees
5
Application
4
Issuer
NaN

The Navy Federal GO REWARDS from Navy Federal Credit Union is a simple, no-annual-fee rewards card designed for Active Duty and retired military members, veterans, eligible family members, and Department of Defense civilian personnel who want straightforward, hassle-free rewards on everyday spending. Cardholders earn 1x points on all purchases, making it a practical choice for service members who prioritize simplicity and consistent rewards without tracking bonus categories. With no foreign transaction fees, balance transfer fees, or cash advance fees, this card is particularly beneficial for military families who travel or live overseas. Additionally, the Car Rental Collision Damage Waiver provides extra protection when renting vehicles, enhancing its value for frequent travelers. For eligible military members seeking a low-maintenance, cost-effective card with dependable rewards, the Navy Federal GO REWARDS card offers reliable everyday benefits.

Pros

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No annual fee
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No foreign transaction fee
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No balance transfer fee
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No cash advance fees

Cons

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Only available for Active Duty and Retired military members, including Veterans, family members, and DoD civilian personnel
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Only 1x catch all category

Issuer

Spending Multipliers

Credits & Features

Car Rental Collision Damage Waiver

Application

  • You need to be a Navy Federal member to get this card
  • Your credit score and history need to be at least average to qualify for this card
  • You can check if you pre-qualify before applying

Fees

  • No Annual Fee
  • No Foreign Transaction Fee
  • Up to $20 late fee
  • No return payment fee
  • 13.49% - 18.00% Variable APR
  • 18.00% APR for Cash Advance
  • $0.50 domestic or $1.00 foreign cash advance fee, none at Navy Federal ATMs or branch
  • 13.49% - 18.00% APR for Balance Transfers
  • No balance transfer fee
See Full and Updated Rate & Fee Schedule During Application Process