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Cash back
Membership required
As recorded in the spreadsheet. Conditions and combined limits still apply; these aren’t calculated recommendations.
| Category | Rate | Cap / limit | Conditions |
|---|---|---|---|
| Everything (flat rate — no bonus categories) | 2% (Plus, limit ≥$5k) · 1.5% (base, limit <$5k) | — | No bonus categories — the base rate applies to all spend. |
$250.00
Cash back
$250 cash back after $2,500 in purchases in the first 90 days.
Uses the reported cash amount at face 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; better-credit tier of cashRewards (2% flat)
Window start event: Confirm the exact starting event with the issuer. A completion window is not the offer expiration date.
Confirmed in the Oct 29, 2026 pass on navyfederal.org: $250 after $2,500 in 90 days; the current offer window runs through Jan 3, 2027.
Offer type, as listed: Limited time