Valued Member
Posts: 47
Registered: ‎07-14-2009

Navy Fed Credit card

I am a member of NFCU, and I want to open a credit card with them.  I have heard good things about Navy Fed, but I don't know which card to apply for.  Which is the best to apply for?  Do you have to have really great credit with them to get a card?  My scores are 650s.  Thanks!
Senior Contributor
Posts: 3,279
Registered: ‎08-03-2007

Re: Navy Fed Credit card

If you're looking for a low rate emergency type card, their plain jane Mastercard is great. If you're looking for cash back, their Cash Rewards card is good also. It gives you 1% back on annual spending up to $10,000, and 1.5% thereafter.


NFCU is pretty lenient. Scores in the 650s should do it, but I think 660 or higher is optimal. 

Here we go again...
Regular Contributor
Posts: 155
Registered: ‎05-07-2008

Re: Navy Fed Credit card

Hi heatherbee,


I just applied for their cashRewards Visa and the Platinum MC this week, and was approved for both. My EQ is also about 650-ish.  They gave me $7,500 on the Visa, and $6,000 on the MC. And I only had the savings/checking account open for one day when I applied for the cc's.


You can go to to compare their cards and decide which one fits your needs best. Do you want something with no annual fee? Do you travel a lot and want rewards that will give you discounted/free airline tickets? Do you like points being awarded that you use to get gift cards, or would you rather receive cash back as your reward? Do you want to take advantage of free concierge services? Lots of choices!


Good luck, and let us know the results if you decide to apply!

TU=564 EQ=??? EX=??? 4/4/06
TU=643 EQ=625 EX=618 1/24/08
TU=678 EQ=651 EX=665 10/24/08
TU=694 EQ=669 EX=??? 9/24/09
TU=706 EQ=691 EX=??? 10/8/09
CH7 BK 2001

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+