Navy Federal cashRewards Plus — Credit Limit, Score & Approval Odds (2026)
The Navy Federal cashRewards Plus is a cash back card from Navy Federal CU. Welcome bonus: $200 / $2k in 90 days.
Based on 6 real reported applications, 83% were approved — median approved FICO 695, median starting limit $5k.
Navy Federal cashRewards Plus credit limit
Credit Limit — this card
$500 – $50k
The span of limits the Navy Federal cashRewards Plus issues. Across 5 reported approvals the median starting limit was $5k ($4.1k–$5k typical). Your personal limit depends on your profile — calculate your odds and limit →
Credit score needed for the Navy Federal cashRewards Plus
The issuer generally looks for a credit score of 620+. Approved applicants in our data had a median FICO around 695 (range 660–770).
Navy Federal cashRewards Plus approval odds
Based on 6 real applications reported for the Navy Federal cashRewards Plus, 83% were approved.
Approval rate
83%
6 reported apps
Approved
5
1 denied
Typical approved profile
695 FICO · 17% utilization · 2 recent inquiries — medians across 5 reported approvals. Lowest approved score on record: 660.
How the 1 denied applicants differed
Same medians as the approved profile above, for the applications that were turned down — so the gap is the story, not the raw number.
- Median FICO
- 612-83 pts vs approved
- Median utilization
- 48%+31 pts vs approved
Score is only part of it — utilization, recent inquiries and account age move the odds too.
Real reported Navy Federal cashRewards Plus applications
Anonymous data points from public forums — score, utilization and outcome. These are other applicants, not a personal estimate.
Navy Federal cashRewards Plus requirements
- Suggested credit score
- 620+
- Min credit history
- 3 months
- Recommended utilization
- under 50%
- Recent hard inquiries
- up to ~6
- Credit limit range
- $500 – $50k
- Annual fee
- $0
- APR
- 14.40%–18.00%
- Welcome bonus
- $200 / $2k in 90 days
- Reports to
- TransUnion, Experian
Navy Federal cashRewards Plus approval — FAQ
What credit score do you need for the Navy Federal cashRewards Plus?
Approved applicants in our data had a median FICO around 695 (range 660–770). The issuer generally looks for 620+.
What is the credit limit for the Navy Federal cashRewards Plus?
The Navy Federal cashRewards Plus issues limits from $500 to $50k. Across 5 reported approvals the median starting limit was $5k, typically $4.1k–$5k.
How to get approved for the Navy Federal cashRewards Plus?
Aim for a credit score around 620+, keep utilization under 50%, keep recent hard inquiries to about 6 or fewer, have at least 3 months of credit history. If you're denied, you can request reconsideration at 1-888-842-6328 (24/7).
What are the requirements for the Navy Federal cashRewards Plus?
Suggested score 620+, at least 3 months of credit history, utilization under 50%, and up to about 6 recent hard inquiries. Annual fee: $0. Reports to TransUnion, Experian.
What are the approval odds for the Navy Federal cashRewards Plus?
Based on 6 real reported Navy Federal cashRewards Plus applications, 83% were approved. Approved applicants had a median FICO of 695 and 17% utilization. Denied applicants had a median FICO of 612 and 48% utilization. Your own odds depend on your full profile — the predictor scores it against this data.
What is the approval rate for the Navy Federal cashRewards Plus?
Of 6 reported Navy Federal cashRewards Plus applications in our dataset, 83% were approved — the lowest approved score we have on record is 660.
Will you be approved for the Navy Federal cashRewards Plus?
Enter your profile in the predictor for your personal approval odds and expected limit.
Calculate your odds and limitApproval data is crowdsourced from myFICO and verified clients, not the issuer. Not financial advice.