See Why This is One of 2026’s Best 2% Cash-Back Credit Cards
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There’s no shortage of rewards credit cards on the market, and it can be overwhelming trying to decide which one is right for you. The good news? You don’t have to wonder whether you’re choosing the right card.
The Navy Federal Credit Union cashRewards Plus card already has the recognition to back it up. WalletHub ranked it among 2026’s best 2% cash-back credit cards, while TIME named Navy Federal the No. 1 credit card provider in its America’s Best Financial Services ranking.
But awards aside, here’s what really matters: With Navy Federal Credit Union’s cashRewards credit cards, you can earn up to 2% cash back on everyday purchases. Plus, when you spend $2,500 within 90 days of opening your account, you can earn a $250 cash bonus1.
Earn Up to Unlimited 2% Cash Back — No Strings Attached
Here’s how it works: There are two types of cashRewards accounts. If you’re approved for a credit limit of $5,000 or more, you’ll get a cashRewards Plus card. If not, you’ll get the cashRewards card.
With cashRewards Plus, you’ll earn 2% unlimited cash back. With cashRewards, you’ll earn unlimited 1.5% cash back2.
What separates these cards from the competition is what’s not there: no rotating spending categories to track, no caps on how much cash back you can earn and no annual fee.
You don’t have to hunt for bonus categories or time your purchases strategically. You simply earn cash back on your everyday spending.
A $250 Bonus — Just For Doing Your Normal Shopping
Even better? You can earn a $250 cash bonus when you spend $2,500 within 90 days of account opening — an amount many households could reach through regular monthly expenses.
Why This Card Stands Out
The Navy Federal cashRewards cards deliver on what matters: straightforward rewards, competitive fees and benefits designed for everyday spending. Here are some of the highlights:
Your rewards don’t expire
- Unlike cards that expire rewards or limit when you can redeem them, your cashRewards Plus rewards never expire. As long as your account remains open, your rewards are yours to redeem whenever you want. There’s no minimum redemption amount, either.
A competitive balance-transfer offer
- If you’re carrying a balance from a non-Navy Federal credit card, you can transfer it within your first 60 days and get a 1.99% introductory APR for 12 months from account opening. After that, a variable APR between 14.15% and 18% applies. Plus, there are no balance-transfer fees3.
Bottom Line
The cashRewards Plus card has earned recognition for keeping things simple. There are no rotating categories to track and no annual fee — just unlimited 2% cash back on eligible purchases and a $250 cash bonus.
Ready to see why it’s one of 2026’s best? Apply for the Navy Federal Credit Union cashRewards credit card today.
1Offer 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 include purchases of goods and services, minus returns and credits, and exclude fees, interest, balance transfers, convenience checks, and cash advances, including cash-equivalent transactions such as gambling, purchases from securities brokers and dealers (including prediction markets), money orders, gift cards, prepaid cards, and person-to-person money transfers through third-party services. 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 07/01/2026 and 01/03/2027. 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 include purchases of goods and services, minus returns and credits, and exclude fees, interest, balance transfers, convenience checks, and cash advances, including cash-equivalent transactions such as gambling, purchases from securities brokers and dealers (including prediction markets), money orders, gift cards, prepaid cards, and person-to-person money transfers through third-party services. For more information, view the Program Descriptions for the cashRewards and cashRewards Plus cards at https://www.navyfederal.org/content/dam/nfculibs/pdfs/credit-debit-cards/nfcu_829.pdf
3 As of 02/02/2026, the Purchases, Balance Transfers, and Convenience Checks APRs range from 14.15% to 18%, are based on creditworthiness, and vary with the market based on the U.S. Prime Rate. The Cash Advance APR is 18%. The Penalty APR is 18% and may apply to an account that is over 60 days past due. 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 01/03/2027. 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.
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