GO REWARDS® Credit Card
No annual fee. Purchase APR 13.49–18.00%, variable.
- Annual fee
- Issuer's pagenavyfederal.org
The source states this figure; we have no exact sentence on file yet.
- Purchase APR
- Issuer's pagenavyfederal.org
“Purchase & Balance Transfer Variable APR between 13.49% - 18.00% Footnote [2]”
- Foreign transaction fee
- Issuer's pagenavyfederal.org
The source states this figure; we have no exact sentence on file yet.
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $155 | $155 |
| Typical spender | $395 | $395 |
| Heavy spender | $840 | $840 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Assumed: points valued at an assumed 1¢.
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- No annual fee, like about 85% of the 626 cards we track.
- Worth more to a typical spender than about 85% of the 650 cards we track.
- Lower top APR than about 70% of the 577 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
How you earn · GO REWARDS Program
- 3× pointsrestaurants
- 2× pointsgas
- 1× pointsEverything else
Rates and fees
| Annual fee | Issuer's pagenavyfederal.org The source states this figure; we have no exact sentence on file yet. |
|---|---|
| Purchase APR | Issuer's pagenavyfederal.org “Purchase & Balance Transfer Variable APR between 13.49% - 18.00% Footnote [2]” |
| Intro APR | Issuer's pagenavyfederal.org “Get a 0.99% intro APR on purchases for the first 6 months of account opening.” |
| Balance transfer APR | Issuer's pagenavyfederal.org “Purchase & Balance Transfer Variable APR between 13.49% - 18.00% Footnote [2]” |
| Balance transfer fee | Issuer's pagenavyfederal.org The source states this figure; we have no exact sentence on file yet. |
| Cash advance fee | Issuer's pagenavyfederal.org The source states this figure; we have no exact sentence on file yet. |
| Foreign transactions | Issuer's pagenavyfederal.org The source states this figure; we have no exact sentence on file yet. |
Carrying a balance? See how long it takes to pay off
Benefits
- Rental car
Questions
- What is the annual fee?
- No annual fee navyfederal.org, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- No. navyfederal.org, since Sep 29, 2026
- What is the purchase APR?
- 13.49–18.00% APR navyfederal.org, since Sep 29, 2026
- Is there an intro APR?
- 0.99% for first 6 months of account opening. navyfederal.org, since Sep 29, 2026
- What credit do you need?
- Average to Excellent Credit navyfederal.org, since Sep 29, 2026
Other points cards with no annual fee
- GM Business MastercardBarclays · No annual fee+$505 a year
- GM Rewards MastercardBarclays · No annual fee+$505 a year
- CareCredit MastercardSynchrony · No annual fee+$315 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).