Navy Federal Go Rewards Card Review | $150 Welcome Bonus

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The Navy Federal GO REWARDS® Credit Card is a good rewards card for NFCU members. The card is especially valuable for earning 3x points on restaurant purchases.

Navy Federal Go Rewards Card Review
  • Learn how to apply for the Navy Federal Go Rewards Card
  • New GO cardholders can earn 15k bonus points (a $150 value!) when they spend $1,000 within 90 days of opening a GO REWARDS account.
  • Earn 3x points at restaurants
  • Earn 2x points on gas
  • Earn 1x points on everything else
  • Points are worth 1 cent ($0.01) on airfare and cash back
  • Pay no annual fee, no balance transfer fee, no foreign transaction fees*
  • Terms apply, see rates and fees
  • You may pre-qualify for the card with a Navy Federal membership
  • Read the full Navy Federal Go Rewards card review

Welcome Bonus

You can earn 15k bonus points (a $150 value!) when you spend $1,000 within 90 days of opening a GO REWARDS account.

3x Points on Restaurants

You can earn 3x points on all restaurant purchases.

2x Points on Gas

Gasoline and gas station purchases earn you 2x points.

1x Points on Everything Else

1 point on all other purchases.

What are Go Rewards Points Worth?

Points may be redeemed through Online Banking at or by calling the Redemption Center toll free in the U.S. at 1-855-575-4642.

Points may be redeemed for airfare at 1 point = $0.01. So 10,000 points = $100 of airfare. Points may also be cashed out for cash back into your bank account. Again, 1 point is 1 penny.

You can also redeem for hotel nights, car rentals, cruise ships, and gift cards.

Who Should Apply for the NCFU Go Rewards Credit Card

If you're just starting out on your military travel hacking adventure, you need to build your credit with a no annual fee card. Check out my strategy for best military credit cards in this article.

The first step is opening a no annual fee cash back card so you can start building your credit and become eligible for the more exotic travel rewards cards.

You can learn all about military credit cards and how to maximize your benefits in my 100% free online course. Learn how to sign up for the military travel hacking course here.

Building your credit score with a no annual fee credit card is the first step to reaping the lucrative military credit cards benefits available. If you are new to credit cards or new to the military, a no annual fee card from Navy Federal is a great place to start.

As an NFCU member, you can Pre-Qualify for this card. This allows you to check you eligibility for the credit card without submitting a credit report check. A Pre-Qualify check does not affect your credit score.

Navy Federal Credit Union, or NFCU, has been serving members of the military and their families for nearly 90 years. NFCU offers financial and banking products at competitive rates and fees. Free checking accounts and early direct deposit of military paychecks are some of the benefits available.

To become a member, you or one of your family or household members must have ties to the armed forces, DoD or National Guard. Servicemembers and immediate family are all eligibility for Navy Federal membership.

Servicemembers in all branches of the armed forces are eligible for membership. This category includes: Active Duty members of the Army, Marine Corps, Navy, Air Force, Coast Guard, National Guard and Space Force, Delayed Entry Program (DEP), DoD Officer Candidate/ROTC, DoD Reservists, veterans, retirees and annuitants.

Eligible immediate family members include: Parents, Grandparents, Spouses, Siblings, Children (including adopted and stepchildren), Grandchildren, and Household members.

All NFCU credit cards include:

  • 24/7 Access to US based member reps
  • No balance transfer or foreign transaction fees
  • Ability to freeze and unfreeze your cards online
  • Zero Liability policy for unauthorized transaction
  • Fraud notifications
  • Access toy our FICO Score

Other Navy Federal credit cards include the Navy Federal cashRewards credit card, Navy Federal Platinum credit card, Navy Federal GO REWARDS® Credit Card, and the NFCU Visa Signature® Flagship Rewards Credit Card.

Questions About the Navy Federal Go Rewards Card

Do Navy Federal Go Rewards points expire?

There is no limit on points earned and no expiration of points while the account is open.

What credit score do you need for the Go Rewards Card?

A credit score of 690 or better should be enough for the NFCU Go Rewards card.

Where can I redeem Go Rewards?

Go Rewards points can be redeemed for airfare and cash back. The points can also be used for rental cars, hotel rooms, cruises, and gift cards.

How much are Go Rewards Points worth?

Navy Federal Go Rewards card points are worth usually 1 cent per 1 point. 10,000 points are worth $100.

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