YOUR CARD COLLECTION
Exploring your options…
Loading the catalog.
Loading the catalog.
Points (1¢)
As recorded in the spreadsheet. Conditions and combined limits still apply; these aren’t calculated recommendations.
| Category | Rate | Cap / limit | Conditions |
|---|---|---|---|
| Groceries (supermarkets) | 3× | — | — |
| Gas Stations | 3× | — | — |
| Restaurants / Dining | 3× | — | — |
| Transit & Rideshare | 3× | — | — |
20,000 points
Navy Federal points
20,000 bonus points (a $200 value) after $2,000 in purchases within 90 days of account opening, for accounts applied for between Jul 1, 2026 and Jan 3, 2027 (Navy Federal's own page). A 30,000-point / $3,000 version is invite-only and is not the public offer.
Uses the workbook’s 1¢ per point assumption, not a guaranteed redemption value. Excludes additional components, matches, annual fees, and the cost of meeting qualifying spend. This is not a purchase reward rate.
These are source research notes, not a determination that you qualify. Family rules may apply only to the products named below. Confirm current issuer terms.
Requires Navy Federal membership
Window start event: Confirm the exact starting event with the issuer. A completion window is not the offer expiration date.
Filled in the Oct 29, 2026 pass from Navy Federal's own More Rewards page (issuer).
Offer type, as listed: Limited time (through Jan 3, 2027)