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Edited April 9, 2024
at 12:28 PM
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https://www.navyfederal.org/loans...ature.html
First off, not everyone can be a navy federal member. You have to serve in the military, be a dod contractor, or be related to a navy federal member. This card also has a $49 annual fee.
This isn't a new deal as far as I can tell but I've been shopping around for a "generic" cash back card for general purchases. All the deal sites that list the top cards didn't note this one, I'm guessing due to the fact that navy fed isn't open to everyone.
However it seems pretty competitive. 3% back on travel. 2% back on everything else. It also covers one year Amazon prime, cost of Global Entry (which also works for TSA pre), and $350 worth of points if you spend $3500 in 90d, plus visa signature benefits.
I know other cards have higher returns for specific type purchases, and one has 3% back for the first year, then 2%, and the wells fargo card is 2% with no annual fee, but if you want/use prime and/or global entry, seems like a good deal. It's potential stacked is $350 if you spend $3500 in 90d, $100 global entry, $150 Amazon prime = $600 in benefits that theoretically can be used in the first 90d.
Fine print here
https://www.navyfederal.org/conte.../823cc.pdf
If anyone knows of a better "all purpose" card please chime in.
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The current version gives Amazon Prime free one time in the cards life. The survey asked if we would pay more to have it every year plus the following tweaks.
4x points for travel (currently 3X).
3x for restaurants (new)
2x on everything else
Global\TSA stays.
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That why I said YMMV which is objectively available thus being fair though not the best choice for some.
You may have a grandfather version of this card. The one I have and mentioned on their site is a points version updated about 3 years ago.
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This is the important question here. Most people think it's one time only. If this card paid prime every year it would be a must carry. The price of prime is only going to go up as Amazon greed continues.
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*Edit* sounds like those folks are grandfathered and it's only 1x prime reimbursement. Not every year.
Click the link. It says "Free for a year". One year.
"2 Offer applies only to annual Amazon Prime memberships. Not valid for recurring membership monthly payment option or Amazon Prime Student. Annual membership must be purchased by 01/01/2025. Offer valid for your Visa Signature® Flagship Rewards Credit Card and is not transferable. Limit of one promotional offer per card. Please allow 6–8 weeks after the membership is renewed or opened for the statement credit to post to your account. Navy Federal reserves the right to end or modify this offer at any time without notice"
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*Edit* sounds like those folks are grandfathered and it's only 1x prime reimbursement. Not every year.