13.49%–18.00% variable APR with 3x dining and 2x gas rewards — lowest APR floor among rewards cards on this list.
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Good–Excellent credit — Membership required; armed forces, DoD, veterans, and their families
ClearValue Rating: 4.3 / 5 — our editorial assessment (how we rate)
Editorial confidence (30%), cost (25%), value (25%), accessibility (20%) — scored consistently across every product, independent of compensation.
Navy Federal members who regularly dine out or spend on gas and want a rewards card without sacrificing a low ongoing APR.
The Navy Federal GO REWARDS Card has no annual fee. The variable APR is 13.49%–18.00%, based on creditworthiness and the U.S. Prime Rate. The card earns 3 points per $1 at restaurants, 2 points per $1 at gas stations, and 1 point per $1 on all other eligible purchases. Navy Federal membership is required.
| Year 1 value | Ongoing value |
|---|---|
| 3x dining / 2x gas / 1x other; 13.49%–18.00% variable APR; no annual fee | 3x dining / 2x gas / 1x other; 13.49%–18.00% variable APR; points don't expire while account is open; no annual fee |
| Verify current APR range and rewards structure at navyfederal.org before applying | |
Navy Federal GO REWARDS® Credit Card — 13.49%–18.00% variable APR with 3x dining and 2x gas rewards — lowest APR floor among rewards cards on this list. Best for: Navy Federal members who regularly dine out or spend on gas and want a rewards card without sacrificing a low ongoing APR.. Compare it against alternatives before applying; the right fit depends on your situation, credit, and goals.
As disclosed by Navy Federal (verified June 10, 2026), the GO REWARDS card earns 3 points per $1 at restaurants, 2 points per $1 at gas stations, and 1 point per $1 on all other eligible purchases. Points do not expire as long as the account remains open. They can be redeemed for cash, travel, gift cards, or merchandise through Navy Federal. Confirm current redemption options at navyfederal.org — redemption rates can change.
The GO REWARDS card starts at 13.49% vs. the Platinum's 10.24% floor (both verified June 2026 at navyfederal.org). The rewards structure (3x dining / 2x gas) is the tradeoff — cards with category earning typically carry a marginally higher rate floor than pure no-frills cards. For balance carriers who spend heavily on dining and gas, the rewards value can outweigh the slightly higher rate. Run the math on your own balances and spending to confirm which is better for your situation.
No. ClearValue Lending is not a bank, card issuer, lender, or financial advisor. The Navy Federal GO REWARDS® Credit Card is issued and operated by Navy Federal Credit Union. APRs, fees, rewards rates, and terms are determined solely by Navy Federal and may change — verify current terms at navyfederal.org before applying.
How we rate
Every pick gets a 1–5 ClearValue Rating computed from four weighted factors: Editorial confidence (30%), Cost (25%), Value (25%), and Accessibility (20%).
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