The Easiest Way to Score $250 for Things You Already Do
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Earning an extra $250 sure would be nice. Yet as much as you’d love to feel that extra weight in your wallet, you don’t have the time to take on another part-time gig or side hustle. If only netting that $250 weren’t so hard, right? Fortunately, it doesn’t have to be. You can make money by doing the things you already do.
No, really — it’s true. With the Navy Federal Credit Union cashRewards credit card, you could pocket an extra $250 just for doing your everyday shopping.
1. You Go Grocery Shopping
Going to the grocery store is part of your weekly or biweekly routine — and these days, you’re watching the numbers on your receipt climb to uncomfortable new heights. Still, you’ve got to eat (even if you’re getting sticker shock from the price of eggs). So, what can you do?
If you’re eligible for the Navy Federal Credit Union cashRewards credit card, you can make the most of all your purchases — even that kale smoothie your doctor said you should try — with up to unlimited 2% cash back on everyday purchases.1
Here’s how it works: If you’re approved for a credit limit of $5,000 or more, you’ll get a cashRewards Plus card. If it’s less, you’ll get the cashRewards card. Both cards help you make your money go further on the things you’d buy anyway. With cashRewards Plus, you can earn unlimited 2% cash back; with cashRewards, you can earn unlimited 1.5% cash back.1 It takes just a few minutes to apply here.
2. You Buy Presents for Loved Ones
Birthdays. Holidays. “Just because.” There are plenty of reasons to buy gifts for your loved ones. Though you never expect to get anything back other than a smile and a thank-you, if you’re using a cashRewards or cashRewards Plus card, you can get the gift of cash back.
When you spend $2,500 within 90 days of opening your account, you could earn $250 in bonus cash.2 That’s right — your urge to get your niece that drum kit for her birthday (even if it’s not such a gift to her parents) or treat your friend to a spa day could actually put money back in your pocket.
Both cards have no rotating spend categories and no limit on how much cash back you can earn. You can start redeeming those rewards as soon as you earn them — there’s no minimum to redeem, and the rewards you’ve earned don’t expire while your account is open.
If gift-giving is your love language, you can show some real love to your wallet by using your cashRewards card.
3. You Look for Ways to Cut Common Expenses
As a savvy saver, you’re always on the lookout for ways to cut those common expenses that can drag down your budget every month.
You cancel subscription services you no longer use. You go after hidden fees in the fine print of every contract you sign. You’re certainly no stranger to your utilities, internet and student loan providers — forever calling to negotiate lower prices or reduced interest rates.
The money you save from trimming the fat from your everyday expenses goes right back into your pocket. You can use it to invest, pad your retirement savings or boost your emergency fund. Put it to work building you a better future.
4. You Carry a Balance on Your Existing Credit Cards
Ideally, you pay off your credit card balance every month — but sometimes, you’re dealing with a major expense that you’re paying down in increments.
If you transfer your balance to a cashRewards card within the first 60 days of opening a new account, you can save big with a 1.99% introductory APR for 12 months from account opening. After that, a variable APR between 14.90% and 18% applies.3
Also great? You won’t have to deal with balance-transfer fees.3
Bottom Line
Earning an extra $250 is easier than you might think — in fact, you can pad your wallet through your everyday actions. Apply for a Navy Federal Credit Union cashRewards card here and start earning cash back.
1 cashRewards Plus credit cards earn 2% cash back per dollar spent on eligible purchases. cashRewards credit cards earn 1.5% cash back per dollar spent on eligible purchases. Eligible purchases are purchases for goods and services, minus returns and other credits. Eligible purchases do not include fees, interest charges, balance transfers, gambling, convenience checks, cash advances, or other cash-equivalents (e.g., money orders, gift cards, prepaid cards). For more information, view the cashRewards (Visa® or Mastercard®) and cashRewards Plus Visa Signature® or World Mastercard)
2 Offer valid for cardholders issued a new cashRewards or cashRewards Plus credit card account. To be eligible for the $250 cash back, you must make $2,500 or more in eligible purchases within 90 days of account opening. Eligible purchases are purchases for goods and services, minus returns and other credits. Eligible purchases do not include fees, interest charges, balance transfers, gambling, convenience checks, cash advances, or other cash-equivalents (e.g., money orders, gift cards, prepaid cards). Please allow up to 8 weeks after the 90-day period for the $$250 to post to your rewards balance. Account must be open and not in default at the time the $250 is scheduled to post to your rewards balance. Limit of one promotional offer at account opening. Offer valid for accounts applied for between 07/01/2025 and 01/01/2026.
3 As of Oct. 31, rates range from 14.90% APR to 18.00% APR, are based on creditworthiness, and will vary with the market based on the U.S. Prime Rate. ATM cash advance fees: None, if performed at a Navy Federal branch or ATM. Otherwise, $0.50 per domestic transaction or $1.00 per foreign transaction.
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