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Even the most careful shoppers miss savings opportunities. After all we are only human. But you can make one small adjustment to your everyday routine that could quietly put hundreds of dollars back in your pocket — and many people overlook this.
when you shop with Navy Federal Credit Union cashaward With a credit card, you can get an extra $250 toward your everyday purchases.*
Turn everyday spending into an extra $250 cash
Most savvy shoppers focus on finding deals, clipping coupons or waiting for sales — all smart moves. But the easiest way to save isn’t before you buy; This happens when you pay.
By strategically using cash-back credit cards, you can make money on purchases you were already planning on making. No extra effort, no change to your routine – just a better way to check.
In fact, when you spend $2,500 within 90 days of opening* Navy Federal Credit Union cashaward Credit Card, you earn $250 cash bonus1.
Plus, you can earn unlimited cashback on your purchases – up to 2% depending on your card type2. And right now, if you transfer a balance within your first 60 days, you’ll get a 1.99% intro APR for 12 months from account opening. After that, a variable APR between 14.15% and 18% applies. Plus, there are no transfer fees3.
If you’re already buying groceries, filling your tank and covering monthly essentials, you can even earn cash back at that time.
Build savings without changing your habits
What makes this approach so effective is how easily it integrates with things you’re already doing: store discounts still apply, loyalty rewards still add up and sale prices still save you money. difference of? Now you are earning on top of all this.
Over time, those rewards can turn into a meaningful amount – especially when combined with sign-up bonuses like this one.
Manage your expenses for yourself
The key is to be intentional. Earning rewards doesn’t mean spending more – it means getting more out of what you’ve already spent. It’s still important to pay your balance in full to avoid interest and to treat rewards as a bonus, not a reason to buy.
ground level
You’re already spending money on everyday purchases – the only question is whether you’re getting something back for it.
Are you ready to take advantage of this overlooked shopping hack and add an extra $250 to your wallet? Apply for Navy Federal Credit Union cashaward credit card here*.
* By submitting your application, you are applying for a CashRewards Card account. If your application is approved for an account with a credit limit of less than $5,000, you’ll receive a standard CashRewards card that earns 1.5% cashback. If your credit limit is $5,000 or more, you’ll receive a CashRewards Plus card that earns 2% cash back. Standard CashRewards card benefits differ from CashRewards
Plus Card.
1 This offer is valid for cardholders opening a new CashRewards or CashRewards Plus Credit Card account. To be eligible for the $250 cashback, you must make $2,500 or more in eligible purchases within 90 days of account opening. Qualifying purchases include purchases made for goods and services, subtracting returns and other credits. Eligible purchases do not include fees, interest charges, balance transfers, gambling, convenience checks, cash advances, or other cash equivalents (e.g., money orders, gift cards, prepaid cards). Please allow up to 8 weeks after the 90-day period for the $250 to post to your rewards balance. Account must be open and not in default at the time $250 is posted to your rewards balance. Limit of one promotional offer at account opening. Offer valid for accounts applied for between 1/2/2026 and 6/30/2026. Navy Federal reserves the right to change or terminate this offer at any time without notice
2 The CashRewards Plus Credit Card earns 2% cashback per dollar spent on eligible purchases. CashRewards Credit Cards earn 1.5% cashback per dollar spent on eligible purchases. Qualifying purchases include purchases made for goods and services, subtracting returns and other credits. Eligible purchases do not include fees, interest charges, balance transfers, gambling, convenience checks, cash advances, or other cash equivalents (e.g., money orders, gift cards, prepaid cards). For more information, see Cash Rewards (Visa® Or MasterCard®) and CashRewards Plus (Visa Signature® Or World MasterCard®).
3 Through 2/2/2026, rates range from 14.15% APR to 18.00% APR, based on creditworthiness, and will vary with market based on US prime rates.
ATM Cash Advance Fee: None, if performed at a Navy Federal branch or ATM. Otherwise, $0.50 per domestic transaction or $1.00 per foreign transaction. Balance Transfer Offer: Application should be submitted by 06/30/2026. This offer is valid for balances transferred from non-Navy Federal credit cards within 60 days of account opening. Balance transfers are not eligible to earn rewards. The maximum total transfer amount is limited to your available credit line. Balance transfer using convenience checking is excluded from this offer. If you transfer a balance with this offer, interest will be charged on purchases made with your credit card until the APR on your purchases is 0% or you pay the balance in full, including any transferred balances, each month by the payment due date. Limit of one promotional offer at account opening. Navy Federal reserves the right to change or terminate this offer at any time without notice.
This material is intended to provide general information and should not be considered legal, tax or financial advice. It is always a good idea to consult a tax or financial advisor for specific information about how certain laws apply to your situation and your personal financial situation.