[url=https://www.accountiod.com/navy-federal-cash-rewards-card/]navy federal cash rewards[/url] Credit Card has some pros and cons to consider: Pros: - Offers a cash back rate of 1.75% (or 1.5% without direct deposit). Cons: - No bonus rewards for specific spending categories. - No travel-related benefits. - Requires membership in the Navy Federal Credit Union. - Variable APRs for purchases and balance transfers. - Limited acceptance overseas.