The Navy Gets a New Rewards Program

Wednesday, December 23rd, 2015
Updated: December 23rd, 2015
The content is accurate at the time of publication and is subject to change.

The Navy’s GO REWARDS credit card, from the Navy Federal Credit Union, has upgraded its rewards program.

Under the new system, cardholders will be rewarded according to a 3-tiered rewards program. Service members will earn triple points at restaurants, double points on gas, and one point per dollar spent everywhere else.

Another new feature of the program is that there is no limit on how many reward points folks can earn. Previously there were caps on how many points could be earned, but no more. For all three tiers—restaurants, gas, and all other spending—people can earn unlimited points.

Randy Hopper, vice president of credit cards at the credit union, said that Navy Federal had noticed increased spending in restaurant and travel categories, prompting them to create the new system. “It was an easy choice to award three times the points at restaurants and two times the points on gas with no points cap,” said Hopper.

Visa Signature perks, rewards calculator among other benefits of card

Navy service people and veterans who have the GO REWARDS card can also access an award points calculator on the web, allowing them to estimate the rewards they will earn with different spending levels.

The card is also a Visa Rewards card, which gives perks like 24/7 concierge service, purchase protection, and other benefits, particularly in the travel sector. Concierge service is particularly helpful for travelers, as it can be used to assist cardholders make hotel or restaurant reservations, locate services, and get the contact information for health professionals or other emergency needs when away from home.

There are also no foreign transaction fees, so purchases made overseas will not have any higher cost associated with them. Many cards charge around 2-3% for purchases made in other countries. Since service members travel widely, this is a big drawback of a card that charges foreign transaction fees. The GO REWARDS card also has no annual fee and no fee for balance transfers.

The largest credit union in the world

The Navy Federal Credit Union has more than $72 billion in assets, almost six million members, and 276 branches. It is the largest credit union in the world, and serves any Department of Defense, Coast Guard Active Duty, civilian, and contractor personnel, as well as their families. Their website,, has answers to any questions about the new rewards program.

All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.

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