Navy federal credit union business credit cards

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  • Business Solutions
Partner Tools

Tools to Take Your Business Further

To help small businesses thrive, we’ve partnered with top organizations to ensure our members have access to options for merchant services, payroll processing, business insurance and more.

Navy federal credit union business credit cards

Heartland® Merchant Solutions – Credit Card Processing

Heartland1 offers customized credit card processing solutions, allowing businesses of all sizes to:

  • accept payment methods beyond just cash or checks, including credit/debit cards and online payments
  • protect your business from bad checks
  • improve customer convenience
  • stabilize cash flow for better money management

Learn More about Heartland Merchant Solutions

Navy federal credit union business credit cards

Paychex® – HR and Payroll Provider

Paychex,2 a national payroll and HR solution, allows you to outsource time-consuming payroll and HR functions, so you can focus on managing and growing your business. Paychex offers:

  • streamlined recruiting and hiring
  • automated payroll tax calculation, payment and filing
  • dedicated compliance expertise to help you stay current on changing labor laws and tax requirements
  • 24/7 U.S.-based customer support

Learn More about Paychex

Navy federal credit union business credit cards

Newtek®- Insurance and Resources

Newtek3  offers commercial and personal insurance programs to help safeguard your business and employees against the unpredictable. Plans include:

  • Business Owner's policy
  • Professional Liability coverage
  • Property & Auto Insurance
  • Worker's Compensation
  • Employee Health and Benefits Plans

Learn More about Newtek Insurance Solutions

Navy federal credit union business credit cards

Harland Clarke® – Business Checks

Harland Clarke4  offer business checks, forms and accessories—available at competitive prices. Call 1-800-503-2345 or order online.

  • High security laser checks
  • Fraud education services

Learn More about Harland Clarke

Business Membership

Membership with Navy Federal Business Solutions is exclusive to Navy Federal Credit Union members. As a business member, you have access to small business professionals, competitive business credit offerings and more.

Learn More About Membership in Navy Federal Credit Union.

Navy federal credit union business credit cards

Need more information? Visit our FAQ page to answer common Business Solutions questions.

Disclosures

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1

All accounts subject to credit approval; some restrictions and exclusions apply to all offerings. All trademarks contained herein are the sole and exclusive property of their respective owners. Any such use of those marks without the express written permission of their owner is prohibited. © 2020 Heartland Payment Systems, LLC, a Global Payments company (NYSE: GPN). All rights reserved. Heartland Payment Systems, LLC is a registered ISO of Wells Fargo Bank, N.A., Concord, CA, and The Bancorp Bank, Philadelphia, PA.

As of 12/23/2022, nRewards® Secured card rate is 18.00% APR and will vary with the market based on the U.S. Prime Rate. All other Navy Federal Credit Card rates range from 8.99% APR to 18.00% APR, are based on product type and creditworthiness, and will vary with the market based on the U.S. Prime Rate. 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. $49 annual fee for Visa Signature® Flagship Rewards.

To continue enjoying all the features of Navy Federal Online, please use a compatible browser. You can confirm your browser capability here.

For full functionality of this site it is necessary to enable JavaScript. Here are the instructions for how to enable JavaScript in your web browser.

Credit Cards

Make Your Season BrighterWith a Low Intro APR

Navy federal credit union business credit cards

cashRewards

At a Glance

Earn up to 1.75% cash back on all purchases. Redeem as soon as you earn.

Annual Fee: $

0

Rate:

Variable APR

12.65% - 18.00%

Terms & Conditions for the cashRewards credit card.

Navy federal credit union business credit cards

Earn $200 bonus cash back when you spend $2K within 90 days of account opening. Click for details.

Apply Now for the cashRewards credit card. See the Card Details for the cashRewards credit card.

Add cashrewards to Compare two or more Products Go to Compare Results page

Earn $200 bonus cash back when you spend $2K within 90 days of account opening. Click for details.

Platinum

Navy federal credit union business credit cards

Platinum

At a Glance

Minimize monthly payments with our lowest-rate card.

Annual Fee: $

0

Rate:

Variable APR

8.99% - 18.00%

Terms & Conditions for the Platinum credit card.

Save with a low intro APR for 12 months from account opening on balances transferred within 60 days. Click for details.

Apply Now for the Platinum credit card. See the Card Details for the Platinum credit card.

Add platinum to Compare two or more Products Go to Compare Results page

Save with a low intro APR for 12 months from account opening on balances transferred within 60 days. Click for details.

GO REWARDS®

Navy federal credit union business credit cards

GO REWARDS®

At a Glance

Earn more when on the go. Get 3X points at restaurants, 2X points on gas and 1X points on everything else.

Annual Fee: $

0

Rate:

Variable APR

11.99% - 18.00%

Terms & Conditions for the GO REWARDS® credit card.

You could save on interest with a low intro APR on purchases for 6 months from account opening. Click for details.

Apply Now for the GO REWARDS® credit card. See the Card Details for the GO REWARDS® credit card.

Add go to Compare two or more Products Go to Compare Results page

You could save on interest with a low intro APR on purchases for 6 months from account opening. Click for details.

Visa Signature® Flagship Rewards

Navy federal credit union business credit cards

Visa Signature® Flagship Rewards

At a Glance

Earn 3X points for every $1 you spend on travel and 2X points on everything else.

Annual Fee: $

49

Rate:

Variable APR

12.99% - 18.00%

Terms & Conditions for the Visa Signature® Flagship Rewards credit card.

Earn 30K bonus points when you spend $3K. Plus, get a low intro APR on purchases and free year of Amazon Prime®. Click for details.

Apply Now for the Visa Signature® Flagship Rewards credit card. See the Card Details for the Visa Signature® Flagship Rewards credit card.

Add flagship to Compare two or more Products Go to Compare Results page

Earn 30K bonus points when you spend $3K. Plus, get a low intro APR on purchases and free year of Amazon Prime®. Click for details.

Navy federal credit union business credit cards

At a Glance

Maximize your everyday spending with 3X points at supermarkets, 3X points on gas and transit, 3X points at restaurants and 1X points on everything else.

Annual Fee: $

0

Rate:

Variable APR3

12.65% - 18.00%

Terms & Conditions for the Navy Federal More Rewards American Express® Card credit card.

Earn 20K bonus points when you spend $2K within 90 days of account opening. Click for details.

Apply Now for the Navy Federal More Rewards American Express® Card credit card. See the Card Details for the Navy Federal More Rewards American Express® Card credit card.

Add morerewards to Compare two or more Products Go to Compare Results page

Earn 20K bonus points when you spend $2K within 90 days of account opening. Click for details.

nRewards® Secured

Navy federal credit union business credit cards

nRewards® Secured

At a Glance

Build or repair your credit while earning rewards.

Annual Fee: $

0

Rate:

Variable APR

18.00%

Terms & Conditions for the nRewards® Secured credit card.

Apply Now for the nRewards® Secured credit card. See the Card Details for the nRewards® Secured credit card.

Add nrewards to Compare two or more Products Go to Compare Results page

We're a Top 10 Credit Card Issuer in the U.S.4

See What Our Members Have to Say 

"Navy Federal has been our choice for over 30 years. Hard to believe they can get any better, but they do."5

-Navy Federal Member Dennis

Trustpilot

How Do Our Cards Stack Up?

See how we performed in JD Power's 2020 Credit Card Satisfaction Survey.

Learn More at JD Power

Making Members a Priority

We ranked #1 for customer experience among credit card issuers in Forrester's 2021 U.S. CX Index™ Survey.6

 

Learn More about the award from Forrester

Business Credit Cards

Our business credit cards offer rewards as well as single or joint accounts, and none of them carry an annual fee.

Learn More about our business credit cards

Cardholder Resources

  • Navy federal credit union business credit cards

    Redeem Credit Card Rewards

    Get the most out of your credit card. Redeem your rewards now.

    Learn Moreabout Redeem Credit Card Rewards

  • Navy federal credit union business credit cards

    Member Deals

    Use your credit card to shop our online Member Deals. You'll get higher rewards just for purchasing through Member Deals, free shipping from certain retailers, exclusive offers and other perks.

    Learn Moreabout Member Deals

  • Navy federal credit union business credit cards

    Get Your Credit Score

    Stay on top of your credit. Sign in to your Navy Federal account to easily view your credit score.

    Learn Moreabout Get Your Credit Score

View MoreCardholder Resources


Credit Card Basics

  • Navy federal credit union business credit cards

    How to Apply for a Credit Card

    Demystify the application process. Learn how to apply, how long the process takes and what the impact will be on your credit.

    Learn Moreabout How to Apply for a Credit Card

  • Navy federal credit union business credit cards

    How Credit Cards Work

    Credit cards are valuable tools to establish and build credit. Learn how they work and how to use them responsibly.

    Learn Moreabout How Credit Cards Work

  • Navy federal credit union business credit cards

    Understanding Credit

    Visit MakingCents to learn what affects your credit score and how you can build a strong credit history.

    Learn Moreabout Understanding Credit

  • Navy federal credit union business credit cards

    How to Do a Balance Transfer

    Learn how you can move your current credit card balance to a Navy Federal card to consolidate debt and potentially lower payments.

    Learn Moreabout How to Do a Balance Transfer

View MoreCredit Card Basics

Still have questions? Visit our Credit Card FAQs.

Navy federal credit union business credit cards

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Disclosures

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1

As of 12/22/2022, nRewards® Secured card rate is 18.00% APR and will vary with the market based on the U.S. Prime Rate. All other Navy Federal Credit Card rates range from 8.99% APR to 18.00% APR, are based on product type and creditworthiness, and will vary with the market based on the U.S. Prime Rate. 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. $49 annual fee for Visa Signature® Flagship Rewards.

2

Credit card value claim based on internal comparative analysis of the average advertised credit card industry APR and the average "as low as" APR for Navy Federal Credit Cards. The 2020 industry average was obtained from creditcards.com. Introductory rates are not included in the calculations.

3

As of 12/22/2022, rates range from 12.65% APR to 18.00% APR, are based on creditworthiness, and will vary with the market based on the U.S. Prime Rate. 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. Limit of one promotional offer at account opening. Navy Federal reserves the right to change or end this offer at any time without notice.

4

Claim based on the Nilson Report published February 2021, which ranks card issuers on balances outstanding as of year-end 2020.

5

The views expressed in the reviews are solely those of the individuals posting them. The testimonials are substantively the words of the individual reviewer, but may have undergone minor clerical revisions to ensure readability, add context, or protect private information. Any imagery displayed is for decorative purposes only and is not necessarily associated with the reviewer.

6

Navy Federal Credit Union received the highest CX Index™ score among banks multichannel in Forrester's proprietary 2022 CX Index™ survey. The ranking was based on responses from 12,129 US individuals measuring 17 brands in the industry. The proprietary survey results are based on consumers' opinions of the experiences with the brands in the survey. Forrester Research does not endorse any company included in any CX Index™ report and does not advise any person to select the products or services of any particular company based on the ratings included in such reports.

The Navy Federal More Rewards American Express® Card is issued and administered by Navy Federal Credit Union. American Express is a federally registered service mark of American Express and is used by the issuer pursuant to a license.

What credit score does Navy Federal use for business credit cards?

Who is Navy Federal business credit card designed for? This is a credit card issued by Navy Federal Credit Union. This business card is designed for small businesses with fair credit. The minimum credit score to apply is 650.

What credit score is needed for Navy Federal Credit Union?

The Navy Federal credit card approval requirements include a credit score of at least 700, in most cases; this is considered “good” credit. Other Navy Federal credit cards require a credit score of 750, i.e. excellent credit. Ultimately, Navy Federal also offers options for people with bad credit.

What is the easiest credit card to get with Navy Federal?

The easiest Navy Federal credit card to get is the Navy Federal Credit Union nRewards® Secured Credit Card because you can get approved with Bad credit. The Navy Federal Credit Union nRewards® Secured Credit Card requires a refundable deposit (minimum of $200), and the deposit becomes your credit limit.

What is the highest credit card limit Navy Federal?

The Navy Federal Platinum Credit Card credit limit is between $500 and $50,000. Everyone who gets approved for the Navy Federal Platinum Credit Card is guaranteed a credit limit of at least $500, but the higher an applicant's credit score and income are, the higher the starting credit limit is likely to be.