Navy Federal GO REWARDS® Credit Card
Navy Federal Credit Union
No Annual Fee
Annual Fee
visaFair → Goodcash-backno-annual-fee6 months ago
Welcome Offer
No Welcome Offer
OpenCard analysis
Is the Navy Federal GO REWARDS Credit Card right for you?
The Navy Federal GO REWARDS is a no-annual-fee cash-back card from Navy Federal Credit Union. Its strongest everyday earning is 3% on restaurants, with 1% on most other purchases. With no fee, the question is simply whether 3% on restaurants beats what your current card earns there.
Who it's for
- ✓ People who spend steadily on restaurants, where it earns 3%
- ✓ Anyone who wants restaurants rewards without paying an annual fee
Who should skip it
- — Heavy spenders outside restaurants — everything else earns 1%
First-year value estimate
Welcome bonus
$0
Rewards on spending
$180
Annual fee (year 1)
−$0
Year 1, before credits
$180
Year two, without the welcome bonus: about $180 before credits ($180 in rewards minus the $0 fee).
Assumptions
- $3,000 a year in restaurants (3%) and $9,000 on everything else (1%) — $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
Bread Rewards American Express →
Bread Financial, same $0 annual fee; earns 3% on dining.
Discover it Chrome →
Discover, same $0 annual fee; earns 2% on dining at restaurants.
Navy Federal More Rewards American Express →
Navy Federal Credit Union, same $0 annual fee; earns 4% on dining.
Frequently asked questions
- Does the Navy Federal GO REWARDS have an annual fee?
- No. Our record lists a $0 annual fee for the Navy Federal GO REWARDS.
- What does the Navy Federal GO REWARDS earn?
- 3% on restaurants, 2% on Gas Stations, and 1% on other purchases.
- Is the Navy Federal GO REWARDS worth it in the first year?
- Using our illustration ($12,000 of yearly spending, $3,000 of it in restaurants), the first year comes out around $180 before credits, including a welcome bonus valued at $0. Year two drops to about $180 before credits.
- What credit do I need for the Navy Federal GO REWARDS?
- Our record lists "Fair to Good" credit as the typical target for the Navy Federal GO REWARDS. Navy Federal Credit Union makes the final decision based on its own criteria.
Earning Rates
3×Restaurants3x points at restaurants
2×Gas Stations2x points at gas stations
1×All Other Purchases1x point on all other purchases
Other Benefits
Other Benefits
No balance transfer fees
No balance transfer fees
Cash advance fee waiver
No cash advance fees
Insurance
Rental InsuranceSecondary
Purchase Protection
Extended Warranty
Sources
Last Updated: Apr 16, 2026