Navy Federal GO REWARDS

GO REWARDS is built around eating out: 3x points on dining and 2x at gas stations, with no annual fee and no foreign transaction fee, which makes it a cheap card to keep for restaurant spending. The regular APR range of 13.49% to 18% is low by rewards-card standards, and Navy Federal charges no balance transfer fees, so it doubles as a reasonable place to move a balance. The intro offer is a 0.99% APR on purchases for six months, which is a short window compared with the 0% runways elsewhere on the market, and there's no signup bonus at all. Everything outside dining and gas earns a flat 1x, so this shouldn't be your only card. Use it where the 3x lands and let something with a better base rate handle the rest.