Navy Federal Credit Union Credit Card Reviews
This content is not provided by Navy Federal Credit Union. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Navy Federal Credit Union. Review content is powered by Finance Globe.
Title: Approve
Date Reviewed: 2010-09-22 14:54:16 | Recommended?: Yes
Review: Applied this card 9/2010 and approve $ 17000.00 first card applied for after bankruptcy that fell off a month before ordinal date rate 9.99%
Title: GOT IT....
Date Reviewed: 2010-10-04 22:32:56 | Recommended?: Yes
Review: I have been a NavyFed savings acct holder for over 6 years (received membership since my bro was in the marines). I have tried on numerous occasions to get their credit, but my scores were always low. About 2 months ago, I decided to apply again and low and behold, got a 4500CL for their Visa card. Int rate is only at 11.9%, which is not bad and I found out that their max Int rate is 16.99%. Scores at the time are EQ 638, EX 644 and TU 652. Would recommend to everyone. Great bank.
Title: Instant Approval!
Date Reviewed: 2011-04-06 15:54:05 | Recommended?: Yes
Review: OMG! Alls I can say is thanks for everyones support on here for the last 3 years! I had made mention on one of the boards that I had recently applied for a membership through a relative of mine at Navy FCU, well today my membership package came and I sat up my online account! I then shopped for what seemed to be an hour at their credit cards and what all they offered, I went ahead and filled out the application for this card and hit submit, within 30 seconds I was approved with a $10,000 credit limit and a rate of 7.99%!!!, Colo, Wanderer, Meya, everyone, thanks so much for all your support! They did a hard pull on Equifax 654 score.
Title: Approved For Card
Date Reviewed: 2012-07-28 23:06:44 | Recommended?: Yes
Review: Applied for card on 7/25/2012 and was instantly approved at 10.74% with a $20.000.00 credit limit. The rest of my credit cards are not sitting in my sock drawer. This rate is a lot better than my Barclay card at 24.99%. Love NFCU!!!
Title: Navy Federal Platinum Mastercard/pre App
Date Reviewed: 2012-12-18 22:33:04 | Recommended?: Yes
Review: My husband is a retired vet and recieved an offer to apply for this card. We have been working on rebuilding our credit and by surprise was approved for a $1000 dcl even with low credit score. Thankful for this card and have 13.74% apr no af. Jioned NFCU about 5 months ago and opened savings and checking, plus a secured card. So it is a great credit union with great benifit. If you can join do so. Never thought we would get approved for a unsecured this fast, after opening up accounts with them. GOD IS GOOD
Title: One Of My Favorites!
Date Reviewed: 2013-05-18 20:17:32 | Recommended?: Yes
Review: I started with a nRewards when I was in the beginning of my rebuilding phase. I was approved for $5000 and used the card regularly and paid my balance in full in most cases.
I really don't know how long NFCU has had this card, but from its earliest reviews, they date back to about Nov of 2010, so I am thinking that this card has not been around that long. When I first applied for the goRewards card in 2005, this card was not around.
I called NFCU one day about a different topic, and asked if by chance they did product conversions, and the nice rep told me they did. I didn't do it right away, as I was actually kind of interested in their Flagship Visa Signature which I qualified for because the minimum CL for that card is $5000.
I asked for a CLI of $2000 and was approved and then went ahead and called to have this card changed around 4 months ago. The first time, the girl told me it had gone through and that I would receive my card. I checked online and nothing had change. About a month passed and I didn't receive the card. I called back and asked the CSR about my conversion. He said it hadn't fully gone through, but that he could take a look at. The CSR said I was approved for the Visa Signature cashRewards card. I asked if it had an annual fee and he said no. Also, my APR went from 17.49% to 15.65%. The design on the card is actually a little different from the one on their website, plus it says 'signature' under the Visa logo. I checked the next day after speaking to the rep and the change was made online.
You earn 1% cash back on all transactions and 1.5% on all transactions after $10,000. Their foreign transactions fees are only .80% which is really good for a no annual fee card.
Probably the coolest thing about the card is that you earn the rewards as you make your purchases, unlike most cards, where you don't know how much you've earned until your statement has closed, but even better still is that you can redeem your rewards for any amount. So if I made $15 in one month, I can deposit it directly into my savings account where it earns interest. You can use the card, and pay it with its cash rewards, without having to wait for the standard $50 which most cards require. I don't know of any other card that does this.
My only complaint is that last month I saw in my statement that they would no longer offer accidental death insurance ($250,000) if your airline ticket was purchased with them. I called to ask about it, and was told that it was Visa ending it due to a lack of interest...that no one was using it. I thought 'all the more reason to offer it, then' but she confirmed that for me.
Title: Approved
Date Reviewed: 2014-05-30 15:32:11 | Recommended?: Yes
Review: Instant Approval $25,000 Credit Line
Score 675
Title: APPROVED!
Date Reviewed: 2015-06-05 06:57:17 | Recommended?: Yes
Review: I was approved for $1500at 17.9% APR. This is my first credit card! I am a student and have been a NFCU member since 2009. I was Pre-Approved for this card. I have heard wonderful things about this card and it is my "go-to" card for purchases. I don't know my scores because I have a thin file. I highly recommend this card!
Title: Great Card
Date Reviewed: 2017-06-21 05:31:15 | Recommended?: Yes
Review: This card came with $200 bonus for $3000.00 spent first 3 months. CL $16,200 @13.4%. FICO 728, I think they pulled Experian. No balance transfer fee, no foreign transaction fee. 1.5% cash back on any purchase and never expire.
Title: Great Card
Date Reviewed: 2017-10-06 22:37:54 | Recommended?: Yes
Review: Waited for this card to finally become available this fall for Navy Federal. Has many options for use. 25000 bonus points $3000 spent 1st 90 days. $11,300 CL with 738 FICO. Already have the cash Visa with them. I am just now only banking with Navy and USAA can't get any better banking support for Active Duty, Veterans, and military families. Just was happy to see Navy finally get an AmEx Card.
Add Your Review
