Best Categories for This Card
4.00%
effective
Travel
4x Navy Federal Points
3.00%
effective
Dining & Restaurants
3x Navy Federal Points
1.00%
effective
All Other Purchases
1x Navy Federal Points
Complete Rewards Breakdown
| Category | Multiplier | Type | Cap | Effective Return |
|---|---|---|---|---|
| Travel | 4x | Ongoing | — | 4.00% |
| Dining & Restaurants | 3x | Ongoing | — | 3.00% |
Everywhere else | 1x | Ongoing | — | 1.00% |
Card details
- Network
- Visa
- Foreign transaction fee
- None
- Credit usually needed
- Good (about 670+)
- Last verified
- Oct 11, 2026
What's a point worth?
Points aren't dollars. A Chase, Amex, Citi or Capital One point is worth about 1¢ as cash back, and often 1.5–2¢ or more when you move it to an airline or hotel partner. Our rates use your setting — Smart (travel value only when you hold a card that unlocks transfers), Cash value or Travel value. See how we rank.
Pairs well with
Cards that add the most on top of this one for typical U.S. spending, after their annual fees. Use your own spending →
Want more details?
Fees, benefits, and current offers change frequently. Visit Navy Federal’s official page for the most up-to-date terms straight from the issuer.
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