Navy Federal cashRewards

cashRewards pays a flat 1.5% on every purchase with no annual fee and no foreign transaction fee, a straightforward catch-all rather than a category card. Know this before applying: approvals at a credit limit of $5,000 or more are issued as cashRewards Plus, which earns 2%, so the same application can land you the better rate without doing anything differently. The welcome offer is $250 after $2,500 in purchases in three months on applications through January 3, 2027, and the regular APR runs 14.15% to 18%, low by rewards-card standards. The balance transfer terms are the underrated part: 1.99% for 12 months with no transfer fee, so moving a balance here costs almost nothing up front. Just do not expect much beyond that, since rental car collision damage coverage is close to the entire benefits list.