What is the annual fee for the Go Rewards?

The Go Rewards has no annual fee.

What is the best category to use the Go Rewards for?

The Go Rewards earns 3x on Restaurants, making it the strongest earning category for this card.

What is the Go Rewards welcome bonus in 2026?

The Go Rewards currently offers a welcome bonus of 15,000 points after spending $1,000 in the first 3 months.

Does the Go Rewards charge foreign transaction fees?

No, the Go Rewards does not charge foreign transaction fees, making it a good choice for international purchases.

Navy Federal Credit Union

Go Rewards

Issued by Navy Federal Credit Union

Annual Fee

Base Rate

Restaurants

15k

Welcome Bonus

Track Go Rewards Free View on Issuer Site

Earning Categories

Restaurants

Gas

All Other Purchases

Current Welcome Bonus

15,000 points

Est. value: $1.5

Spend $1,000

Within 3 months

Earn 15,000 bonus points ($150 value) after spending $1,000 in the first 90 days

Year 1 net value: +$1.5 (bonus − annual fee)

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Maximize Your Navy Federal Credit Union Points

Program Overview

Navy Federal Credit Union offers several cashback and rewards credit cards exclusively to members (active/retired military, DoD employees, and their families). The Flagship Rewards Visa earns flexible points at 3x on travel and 2x on everything else, redeemable for travel, statement credits, or merchandise. The Cashback cards offer 1.5–1.75% flat cashback. Key advantage: Navy Federal cards often have no foreign transaction fees and competitive APRs. The credit union relationship can unlock better terms than bank-issued cards. Best for: military and DoD-affiliated consumers who want competitive cashback or travel rewards with strong member benefits.

Earning Tips

Navy Federal Flagship Rewards Visa Signature: - 3x on travel purchases - 2x on everything else - Best for military members who travel frequently Navy Federal More Rewards American Express: - 3x on supermarkets, transit, restaurants, gas - 1x everywhere else - Strong everyday category earner Navy Federal cashRewards: - 1.5% flat cashback (or 1.75% with direct deposit) - No annual fee, best flat-rate option Membership required: Navy Federal is restricted to military, DoD employees, veterans, and their families. If eligible, the Flagship offers excellent value.

Redemption Tips

Flagship Rewards points redeem at ~1¢/point toward: - Travel through Navy Federal's travel portal - Statement credits - Gift cards - Merchandise Cashback cards redeem as statement credits at face value. No airline or hotel transfer partners — these are primarily fixed-value programs.