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Most people think that saving money at the store means looking for coupons or waiting for sales. And while these things certainly help, there’s a simple strategy that’s often overlooked — even by smart buyers. The best part? There is absolutely no need to change what you buy.
If you’re already spending money on groceries, gas, household essentials and everyday shopping, shop around Navy Federal Credit Union cashaward A credit card can get you an extra $250 for your everyday purchases.2
Get cash back for things you already plan to buy
When you use Navy Federal Credit Union cashWith a rewards credit card for everyday purchases, you can automatically earn cashback – no extra work required. You’re not buying more things or changing your routine; You’re just getting rewarded for purchases you were already going to make.
This is how it works:
When you spend $2,500 within 90 days of opening your Navy Federal Credit Union cashRewards Credit Card, You earn $250 cash bonus1. For most families, this is the amount that will naturally suffice to cover normal monthly expenses.
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.
You must make these monthly purchases in advance; You might as well earn cashback while you’re at it.
use it smart
Of course, the goal isn’t to spend more. This is to get more value from purchases you are already planning to make.
That means sticking to your normal shopping habits, paying your balance in full each month to avoid interest, and treating rewards as a bonus — not a reason to overspend. When you use it this way, this simple shopping hack becomes a long-term money strategy.
ground level
Are you ready to start earning rewards for things you’ve already purchased? Apply for Navy Federal Credit Union cashrewards credit card* today and you can put an extra $250 back in your wallet.*
*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.
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.