CFPB TCCP survey · December 31, 2025
Navy Federal Credit Union credit card rates & fees
Navy Federal Credit Union reported 7 credit card plans to the CFPB. Their median purchase APR is 16.45%, lower than the 23.49% median across all surveyed cards. The lowest starting APR is on the Platinum (10.49%). 6 of 7 plans have no annual fee.
Credit union Navy Federal Credit Union financial health scorecard 66 out of 100, Moderate
Plans
| Card | Purchase APR | By credit tier (great / good / poor) | Cash APR | Annual fee | Late fee | Foreign fee | Grace |
|---|---|---|---|---|---|---|---|
| Platinum | 10.49% – 18.00% | 18.0% / 18.0% / 18.0% | 18.00% | $0 | $20 | 0.0% | 25 d |
| GoRewardsCashback rewards; Travel-related rewards; Other rewards | 13.74% – 18.00% | 18.0% / 18.0% / 18.0% | 18.00% | $0 | $20 | 0.0% | 25 d |
| cashRewardsCashback rewards | 14.40% – 18.00% | 18.0% / 18.0% / 18.0% | — | $0 | $20 | 0.0% | 25 d |
| cashRewards PlusCashback rewards | 14.40% – 18.00% | 18.0% / 18.0% / 18.0% | 18.00% | $0 | $20 | 0.0% | 25 d |
| More RewardsCashback rewards; Travel-related rewards; Other rewards | 14.40% – 18.00% | 18.0% / 18.0% / 18.0% | 18.00% | $0 | $20 | 0.0% | 25 d |
| FlagshipCashback rewards; Travel-related rewards; Other rewards | 14.99% – 18.00% | 18.0% / 18.0% / 18.0% | 18.00% | $49 | $20 | 0.0% | 25 d |
| cashRewards SecuredsecuredCashback rewards | 18.00% | – / – / – | 18.00% | $0 | $20 | 0.0% | 25 d |
APRs are what the issuer reported for the survey period; your offer depends on your credit. Check the issuer's current terms before applying. "Credit tier" columns are the median APR the issuer reported for consumers with credit scores of 720+, 620–719 and 619 or below.