What credit card should I get?

The best credit card for you depends on your spending habits, credit score, and goals. Use our free quiz to analyze your spending in categories like dining, groceries, travel, and gas to find cards that maximize your rewards.

How do I choose the best credit card?

Consider these factors: 1) Where you spend the most money (dining, groceries, travel, gas), 2) Your credit score range, 3) Whether you want cash back, points, or miles, 4) If you're willing to pay an annual fee for premium benefits.

What is the best cash back credit card?

The best cash back card depends on your spending. For everyday purchases, flat-rate cards like Citi Double Cash (2%) work well. For category spending, cards like Chase Freedom Flex (5% rotating) or Amex Blue Cash Preferred (6% groceries) offer higher returns.

What credit card is best for travel?

Top travel cards include Chase Sapphire Preferred (great for beginners), Chase Sapphire Reserve (premium benefits), Amex Gold (dining + flights), and Capital One Venture X (simple earning). Our quiz helps match your travel style to the right card.

Do I need good credit for a rewards card?

Most premium rewards cards require good to excellent credit (700+). However, options exist for fair credit (650-699) like Capital One Quicksilver, and secured cards help build credit while earning rewards.

All cards

Navy FederalCash Back

Navy Federal cashRewards

Cash back card from Navy Federal

No annual fee

3% on category of choice
1.5% on everything else
Very low APR
No annual fee
Easy approval for military

Welcome Bonus

$250 value

after $2,500 spend in 90 days

Credit Needed

Fair (580-669)

Personal card

APR

12.99%–18%

Variable APR

Foreign Transaction Fee

None

Great for international travel

Base Reward Rate

1.5%

On all other purchases

Rewards Structure

Category	Rate	Details
Everything Else	3%	on 1 category you choose
Everything else	1.5%	Base rate on non-bonus spending

Rates and fees disclosure

Card details last verified January 2026. Rates, fees, and rewards are subject to change. Visit the issuer's website for the most current information. We may earn a commission when you apply through our links, but this never affects our recommendations.

Is the Navy Federal cashRewards right for you?

Take our free 2-minute quiz to see how this card scores against 55+ other cards based on your actual spending habits, credit score, and goals.

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More cards from Navy Federal

Navy Federal Flagship Rewards

$49/yr | $400 bonus