Navy Federal cashRewards PLUS® Credit Card
Navy Federal Credit Union
No Annual Fee
Annual Fee
visaGood → Excellentcash-backno-annual-fee6 months ago
Welcome Offer
(≈ $250)Spend $2,500 within 3 months
OpenCard analysis
Is the Navy Federal cashRewards PLUS Credit Card right for you?
The Navy Federal cashRewards PLUS is a no-annual-fee cash-back card from Navy Federal Credit Union. Its strongest everyday earning is 3% on Gas Stations, with 1.5% on most other purchases. With no fee, the question is simply whether 3% on Gas Stations beats what your current card earns there.
Who it's for
- ✓ People who spend steadily on Gas Stations, where it earns 3%
- ✓ Anyone who wants Gas Stations rewards without paying an annual fee
First-year value estimate
Welcome bonus
$0
Rewards on spending
$225
Annual fee (year 1)
−$0
Year 1, before credits
$225
Year two, without the welcome bonus: about $225 before credits ($225 in rewards minus the $0 fee).
Assumptions
- $3,000 a year in Gas Stations (3%) and $9,000 on everything else (1.5%) — $12,000 total, about $1,000 a month.
- Rewards valued at 1¢ per point or 1% cash back (cash-equivalent).
- No welcome bonus is listed in our record, so none is counted.
- No annual fee in any year.
An illustration, not a promise of value. Change the spending to match yours; rewards are not cash until redeemed. Card data reviewed 2026-04-16.
How it compares
Blue Cash Everyday →
American Express, same $0 annual fee; earns 3% on gas.
AARP Essential Rewards Mastercard from Barclays →
Barclays, same $0 annual fee; earns 3% on gas stations and drugstores.
PenFed Platinum Rewards Visa Signature →
PenFed Credit Union, same $0 annual fee; earns 5% on Gas Stations.
Rules and gotchas
- The welcome bonus requires $2,500 in 3 months — roughly $833 a month. That fits inside the $1,000 a month in our illustration.
Frequently asked questions
- Does the Navy Federal cashRewards PLUS have an annual fee?
- No. Our record lists a $0 annual fee for the Navy Federal cashRewards PLUS.
- What does the Navy Federal cashRewards PLUS earn?
- 3% on Gas Stations, and 1.5% on other purchases.
- Is the Navy Federal cashRewards PLUS worth it in the first year?
- Using our illustration ($12,000 of yearly spending, $3,000 of it in Gas Stations), the first year comes out around $225 before credits, including a welcome bonus valued at $0. Year two drops to about $225 before credits.
- What credit do I need for the Navy Federal cashRewards PLUS?
- Our record lists "Good to Excellent" credit as the typical target for the Navy Federal cashRewards PLUS. Navy Federal Credit Union makes the final decision based on its own criteria.
Earning Rates
3×Gas Stations3% unlimited cash back at gas stations
1.5×All Other Purchases1.5% unlimited cash back on everything else
Other Benefits
Other Benefits
Balance transfer intro APR
0% intro APR on balance transfers for 12 months
Insurance
Rental InsuranceSecondary
Purchase Protection
Extended Warranty
Sources
Last Updated: Apr 16, 2026