Navy Federal cashRewards Plus — Credit Limit, Score & Approval Odds (2026)
The Navy Federal cashRewards Plus is a cash back card from Navy Federal CU.
Based on 6 real reported applications, 83% were approved — median approved FICO 695, median starting limit $5k.
Navy Federal cashRewards Plus credit limit
Typical starting limit — 5 reported approvals
$5k
Middle half of reported approvals: $4.1k–$5k. Lowest reported $4k, highest $8k. Navy Federal CU publishes a $500 – $50k range for the card. 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 welcome bonus
Earn $200 after you spend $2,000 on purchases in the first 90 days from account opening.
Navy Federal CU publishes no end date for this offer. It runs until the issuer replaces it, which can happen without notice — the terms you see on the application are the ones that bind.
Navy Federal cashRewards Plus APR
The ongoing APR is 14.40%–18.00% — variable with the prime rate, and your exact rate within that range is set from your profile at approval.
Navy Federal cashRewards Plus annual fee
The Navy Federal cashRewards Plus annual fee is $0 — no yearly cost to keep the account open.
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
- 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. 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.
What is the welcome bonus on the Navy Federal cashRewards Plus?
Earn $200 after you spend $2,000 on purchases in the first 90 days from account opening. Navy Federal CU publishes no end date for it — the offer runs until it is replaced.
What is the APR on the Navy Federal cashRewards Plus?
The ongoing APR is 14.40%–18.00%, variable with the prime rate and set from your profile at approval.
What is the annual fee for the Navy Federal cashRewards Plus?
The Navy Federal cashRewards Plus annual fee is $0.
See approval statistics across all cards — approval rates and starting limits by FICO band →
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.