This article provides a complete analysis of the GO REWARDS® Credit Card. You’ll find information about its key features, benefits, drawbacks, and the application process. Whether you’re looking for a primary credit card or an additional rewards option, this guide will help you decide. Keep reading to see if this card suits your needs and how it compares to other similar options in the market.
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Main features of the Navy Federal Credit Union GO REWARDS® Credit Card
The GO REWARDS® Credit Card is a no-annual-fee card with a strong rewards program. It offers a 0.99% introductory APR on purchases for the first 6 months, followed by a variable APR between 14.24% and 18%, based on your credit. You can choose between Visa or Mastercard, both widely accepted and featuring contactless payment options.
Approval requirements
Applicants must be members of Navy Federal Credit Union. There’s no official minimum income stated, but a credit check and an analysis of your debt-to-income ratio are part of the approval process. You can check if you prequalify with a soft inquiry that won’t impact your credit score.
Benefits of the Navy Federal Credit Union GO REWARDS® Credit Card
Earn 3X points on restaurant purchases, 2X on gas, and 1X on all other purchases. Points can be redeemed for cash, travel, gift cards, or merchandise, with no cap on the amount you can earn. It’s a great choice for people who spend frequently in these categories.
Additional benefits include no foreign transaction fees, no balance transfer fees, and no cash advance fees at Navy Federal ATMs. The card also includes fraud protection, 24/7 member support, and rental collision damage waiver coverage.
Exclusive highlight
What sets this card apart is its completely fee-free structure—no annual, foreign transaction, or balance transfer fees. This rare combination of rewards and zero fees makes the GO REWARDS® Credit Card especially appealing for budget-conscious users who want to earn points without added costs.
Drawbacks and points of attention for the Navy Federal Credit Union GO REWARDS® Credit Card
One limitation is the relatively high variable APR after the promotional period, which could impact those who carry a balance. Also, the card lacks premium travel perks such as airport lounge access or concierge services offered by higher-tier cards.
Reward categories may also vary depending on how merchants are coded, which could lead to fewer points than expected. Additionally, Navy Federal membership is required, which may exclude some potential applicants who aren’t eligible to join.
Step-by-step application process
Start by using the online prequalification tool to see if you qualify—this won’t affect your credit score. If you’re eligible, submit your application through Navy Federal’s website, providing your personal and financial information. Most applicants receive a decision within a few business days.
Who is the Navy Federal Credit Union GO REWARDS® Credit Card best for?
This card is ideal for people who frequently dine out or drive, thanks to its 3X and 2X point categories. It’s also perfect for those seeking a no-fee card with flexible rewards and solid everyday benefits. Members who want simplicity without sacrificing value will appreciate this option.
However, if you’re looking for luxury travel perks or higher rewards in other spending areas, you may want to compare this card to premium alternatives like the Chase Sapphire Preferred or American Express Gold Card.
