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Even as a frugal shopper, you probably do your fair share of day-to-day shopping. There are groceries for dinner tonight, school clothes for the kids, dog food and kitten food. The list goes on. What if there was a way to put some money back in your wallet every time you make one of these purchases?
You are in luck. with Navy Federal Credit Union cashaward Credit Card – With some strategic shopping habits – you can get an extra $250 for your everyday purchases.
Earn $250 in Bonus Cash with NFCU cashaward
With Navy Federal Credit Union cashWith rewards credit cards, you can earn cashback on your everyday purchases. When you spend $2,500 within 90 days of opening your account, you earn $250 cash bonus1.
These are of two types cashrewards accounts*. If you’re approved for a credit limit of $5,000 or more, you’ll get a cashRewards Plus Card. If not, you will get cashRewards card. But don’t worry – both cards help you stretch your money when shopping. with cashRewards Plus, you earn 2% unlimited cashback plus cashRewards, you earn unlimited 1.5% cashback2.
Plus, right now, you can transfer your non-Navy Federal balance to any card within your first 60 days, and save with 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.
Each card has no revolving spending categories and no limits on how much cashback you can earn. You can start redeeming those rewards as soon as you earn them – there’s no minimum redemption amount, and rewards don’t expire as long as your account is open.
As you make your everyday purchases on your way to earning the $250 bonus, you can also take advantage of other smart shopping tips to save even more.
Other smart everyday shopping habits
1. Use Store Loyalty Programs
Many of your favorite stores have loyalty programs that regularly offer discounts and special deals. Grocery stores in particular often offer fuel points or cash rewards for purchases you make.
Just make sure you don’t overspend on things you don’t need – like grabbing that extra bag of fruit that’s going to go moldy on the counter – just because they’re included in a discount or reward offer.
2. Keep an eye on prices and buy strategically
Being a smart shopper means being a strategic shopper — and that means keeping records of prices on your regular purchases, from groceries to clothing to home goods.
You can use a Notes app or spreadsheet to log prices over time. When you see a price drop, stock up — especially on items that last or groceries you can freeze.
By adopting this approach, you are shopping at the most efficient time and converting price awareness into savings.
3. Buy in bulk when possible
There are some items you don’t want to risk running out of – like toilet paper, cleaning supplies or pantry staples that make or break a dish – so it makes sense to buy them in bulk. You use them so often that constantly replacing them is more expensive in the long run than buying in bulk or through a recurring subscription plan.
4. Use the ‘wait rule’ for unnecessary items
You’re doing your routine shopping at the store, and then you see something amazing: that pair of shoes you saw on TikTok, a carton of delicious ice cream or an indoor plant that would make your windowsill look amazing. You don’t need it, but you really want it.
Breathe. Wait for 24 to 48 hours. If the item still appeals to you – or you can justify it as a necessity – then go for it.
Stopping impulse purchases isn’t about depriving yourself; Remember, money you don’t spend is money earned.
5. Find a credit card with no high fees
Smart shoppers know how to use their credit cards to their advantage by accumulating rewards and earning cashback. Really savvy shoppers go one step further and make sure their favorite credit cards come without any pesky fees and hidden costs.
You already know that your Navy Federal Credit Union cashaward The card can help you earn a $250 bonus and offers unlimited 1.5% cashback. But did you know that it’s also completely free from the usual fees like annual fees, balance-transfer fees, foreign-transaction fees, and cash-advance fees?3
ground level
Who knew that your daily shopping habits could help put money back in your wallet? you do now. Are you ready to 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. The benefits of the standard CashRewards card differ from those of the 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.