Most People Ignore This Shopping Hack — But It Could Save You $250
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Even the most careful shoppers miss out on savings opportunities. We’re only human, after all. But there’s one small adjustment you can make to your everyday routine that could quietly put hundreds of dollars back in your pocket — and way too many people ignore it.
When you shop with the Navy Federal Credit Union cashRewards credit card, you could pocket an extra $250 just for doing your everyday shopping.*
Turn Everyday Spending into an Extra $250 in Cash
Most savvy shoppers focus on finding deals, clipping coupons or waiting for sales — all smart moves. But one of the easiest ways to save doesn’t happen before you buy; it happens when you pay.
By using a cash-back credit card strategically, you can earn money on purchases you were already planning to make. No extra effort, no changes to your routine — just a smarter way to check out.
In fact, when you spend $2,500 within 90 days of opening* your Navy Federal Credit Union cashRewards credit card, you earn a $250 cash bonus1.
Plus, you can earn unlimited cash back on your purchases — up to 2%, depending on your card type2. And right now, if you transfer a balance within your first 60 days, you’ll get a 1.99% intro APR for 12 months from account opening. After that, a variable APR between 14.15% and 18% applies. Plus, there are no transfer fees3.
If you’re already buying groceries, filling up your tank and covering monthly essentials, you might as well earn cash back while you’re at it.
Stack the Savings Without Changing Your Habits
What makes this approach so effective is how easily it layers with things you’re already doing: Store discounts still apply, loyalty rewards still add up and sale prices still save you money. The difference? Now you’re earning on top of all that.
Over time, those rewards can turn into a meaningful amount — especially when paired with a sign-up bonus like this one.
Make Your Spending Work for You
The key is staying intentional. Earning rewards doesn’t mean spending more — it means getting more out of what you already spend. It’s still important to pay your balance off in full to avoid interest and treat rewards as a bonus, not a reason to buy.
Bottom Line
You’re already spending money on everyday purchases — the only question is whether you’re getting something back for it.
Ready to take advantage of this overlooked shopping hack and add an extra $250 to your wallet? Apply for a Navy Federal Credit Union cashRewards credit card here*.
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* By submitting your application, you are applying for a cashRewards card account. If your application is approved for an account with a credit limit of less than $5,000, you will receive a standard cashRewards card that earns 1.5% cash back. If your credit limit is $5,000 or greater, you will receive a cashRewards Plus card that earns 2% cash back. The benefits of a standard cashRewards card differ from those of a cashRewards
Plus card.
1 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 1/2/2026 and 6/30/2026. Navy Federal reserves the right to change or end this offer at any time without notice
2 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®).
3 As of 2/2/2026, rates range from 14.15% 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. Balance transfer offer: Application must be submitted by 06/30/2026. Offer valid for balances transferred from non-Navy Federal credit cards within 60 days of account opening. Balance transfers are not eligible to earn rewards. Maximum total transfer amount is limited to your available credit line. Balance transfers using convenience checks are excluded from this offer. If you transfer a balance with this offer, interest will be charged on purchases made with your credit card unless your purchases have a 0% APR or you pay the entire balance, including any transferred balances, in full each month by the payment due date. Limit of one promotional offer at account opening. Navy Federal reserves the right to change or end this offer at any time without notice.
This content is intended to provide general information and should not be considered legal, tax, or financial advice. It is always a good idea to consult a tax or financial advisor for specific information on how certain laws apply to your situation and about your individual financial situation.
