Navy Federal cashRewards Plus review
A simple card that earns 2% back on everything, with no categories to track.
- Updated October 17, 2026
- $0 annual fee
- Earns Cash back
- 106 cards compared
Who it suits
Navy Federal cashRewards Plus
- Earns $2.00 back on every $100, #12 of 106 for purchases outside any bonus category.
- No annual fee, so it earns from the first dollar.
Rates change, so verify them with the issuer before you apply.
See if it beats your cards on everything elseWhere it earns the most
What it earns on a $100 purchase in each category, and where that places it among the 106 cards we track.
| Category | On $100 | Rank |
|---|---|---|
| Dining | $2.00 2% | #59 of 106 |
| Groceries | $2.00 2% | #38 of 106 |
| Gas | $2.00 2% | #42 of 106 |
| Travel | $2.00 2% | #25 of 106 |
| Airfare | $2.00 2% | #34 of 106 |
| Hotels | $2.00 2% | #31 of 106 |
| Transit | $2.00 2% | #35 of 106 |
| Streaming | $2.00 2% | #21 of 106 |
| Drugstores | $2.00 2% | #15 of 106 |
| Online shopping | $2.00 2% | #14 of 106 |
| Wholesale clubs | $2.00 2% | #12 of 106 |
| Everything else | $2.00 2% | #12 of 106 |