60,000 Points (~$600) Navy Federal Credit Union Card [Expired]

[Disclosure:  Emily and I do NOT get a commission for the Navy Federal Credit Union card.]

Update:  The 60,000 point offer has expired.

Reader Blake A commented that Navy Federal Credit Union has a 60,000 point offer on their Visa Signature Flagship Rewards card.

$600 in air travel from just 1 card – which is not issued the big banks like Chase or American Express – is quite a good deal!

Note that you have to affiliated to the military (contractor, national guard etc.) or have family in the military to qualify.

60000 Points Navy Federal Credit Union Visa

60,000 Points or ~$600 in Flights From Navy Federal Credit Union

Navy Federal Credit Union Visa Signature Card

Link:  Navy Federal Credit Union 60,000 Point Visa Signature Flagship Rewards

You get 60,000 points after spending $3,000 in the first 90 days.  60,000 points is enough for up to a $600 ticket!

The $49 annual fee is waived for the first year.

You’ll earn 2 points for every $1 you spend.  There is no limit to the amount of points you can earn and Navy Federal says that your points never expire.

I suspect what they mean is that just like with Ultimate Rewards points, your points never expire unless you close your account without using your points.

  • 15,000 points = $150 round-trip airline ticket
  • 30,000 points = $300 round-trip airline ticket
  • 50,000 points = $500 round-trip airline ticket
  • 60,000 points = $600 round-trip airline ticket

You’d have to spend $15,000 just to earn a $300 ticket so this is like getting 2% cash back towards air travel.

You also get more flexibility when booking a ticket, since you could book almost any ticket as long as you had points to cover the cost of the tickets.  And you’d earn  miles for flying on that ticket as well!

Cash Back

There are different redemption values for merchandise & cash back.  You only get a 1% to 1.5% value when redeeming for cash back, instead of 2% for air travel.

You can redeem your points for cash:

  • 20,000 points gets you $100 cash back (1% cash back)
  • 30,000 points gets you $150 cash back (1% cash back)
  • 40,000 points gets you $250 cash back (1.25% cash back)
  • 60,000 points gets you $450 cash back  (1.5% cash back)
The cash back is deposited to your savings account within 10 days.

 

You can also redeem your points for gift cards or merchandise online or by calling 888-842-6328, Monday through Saturday, from 9:00 am to 9:00 pm, and on Sundays from 9:00 am to 8:00 pm, Eastern time.

Navy Federal Credit Union Membership

60000 Points Navy Federal Credit Union Visa

There are Many Ways to Qualify for Navy Federal Credit Union Membership

The Navy Federal Credit Union was established for those in the military, but membership also extends to lots of other folks such as civilian contractors and family members.

So you could qualify for Navy Federal Credit membership even if you aren’t in the military.

Navy Federal Credit Union membership is open to the following individuals:

  • Active Duty Military including retirees and annuitants
  • United States Coast Guard personnel including retirees
  • Department of Defense Reservists
  • Army and Air National Guard Personnel including civilians, retirees and annuitants
  • Delayed Entry Program (DEP) Personnel
  • Department of Defense (DoD) Officer Candidate programs
  • U.S. Government employees and Department of Defense (DoD) contractors assigned to DoD installations
  • Department of Defense (DoD) civilian employees, retirees and annuitants
  • Family Member— including grandparents, parents, spouses, siblings, grandchildren, children (including adopted and stepchildren) and household members

Navy Federal says that

Once your family members have joined, their family members are also eligible for membership.

The “Family Members” section is so broad that it seems that almost everyone in the US could qualify for membership if they wanted!

Bottom Line

60,000 points from the Navy Federal Credit Union Visa is enough for a $600 airline ticket, which is a very good deal from just 1 card!

You may be able to join the Navy Federal Credit Union Visa even if you aren’t in the military, but have someone in your family who is in the military.

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These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

52 Responses to 60,000 Points (~$600) Navy Federal Credit Union Card [Expired]

  1. With what airline do we book?

  2. So you first have to have a Navy Credit Union membership? I do not have any family in the military nor do I qualify under any other eligibility requirements. How can I get in to apply for this card?

  3. Might be broad definitions of family for some folks but I don’t have a single family member in the military nor do I even know anyone. I *think* at least one of my grandfathers served in WWII but they’ve both been dead for 20 years + so I don’t think I’d qualify under them anymore.

  4. $49 annual fee kills the deal for me, and already have an account with Nav Fed

  5. Dale, the annual fee of $49 is waived for the first year. Just cancel the card before the fee strikes in the following year. This is a pretty good deal.

  6. Question: if you were looking to use the points for short flights, like island hopping in Hawaii, do you have to use the full 15000 for a ticket, or would it be prorated for the price of the ticket, which is normally 80-90 each way?

  7. Interesting offer from a stingy bank (oops, I meant Credit Union – But NFCU still acts like a BANK!)

    Who redesigned NFCU’s web site? I got some new crazy sign-in options and then the screen kept re-loading on me over and over again.

    They probably hired the same firm to redesign their web site as the Fed. Gov’t hired to do up the Obama Care website design. :-(

    Oh well, approved….Now to figure out HOW to turn 60000 points into some type of Airline ticket! ;-)

  8. I’m thankful you took the time to share a deal we don’t normally see around. However I agree with a few commenters above that while the definition of family may be broad, by no means could “almost everyone in the US” qualify under that definition. I still think it’s a good potential option — for those that qualify — but perhaps being less enthusiastic about how almost everyone can qualify would be a better choice of wording. Not a critique on you, just a minor point.

  9. https://www.navyfederal.org/about/what-you-need-to-apply.php

    Won’t work as “family members” if you don’t really have someone qualified on the list as you need the “sponsor’s” social security number, date of birth and affiliation”

  10. Do you think the cash back option would be reported as income to the IRS?

  11. I was wondering if this could be used as a kind of cash and points kind of option…using the $600 dollars as a credit towards a more expensive ticket and paying the difference…no dice. This is what I found:

    “The ticket will be a nonrefundable, non-changeable ticket valued at no more than the applicable amount listed in the accompanying redemption chart, including taxes and destination charges.”

  12. I do want to add to my above comment that this IS a good deal for those that do qualify and I’d jump on it if I did. I really appreciate this blog and the huge amount of knowledge I’ve gained from it. Thank you for all you do!

  13. @Karen D – I don’t have the card, so can’t say for sure, but I suspect you book through a portal which usually includes many airlines except Southwest.

    @Maury – In that case, you won’t be able to get it.

    @Kate – Bonuses from credit cards are almost never reported as income. But I’m not a tax advisor

    @Clay – Interesting.

    @karen P – Thanks!

  14. Do you have to have a savings account with them or can you use your regular checking account? If you choose to take the cash back route.

  15. Sorry, but “The “Family Members” section is so broad that it seems that almost everyone in the US could qualify for membership if they wanted!” is simply false.

    And insult added to injury. You read the first part of the post, become excited about applying since you know many credit unions are open to everyone, then are disappointed to find out at the end that you don’t qualify after all. So the time spent reading the post is just a waste. :(

    I’d suggest a disclaimer at the very top that this is only for those with family members who have military connections.

  16. FWIW, my father and mother in law are members, as they both taught for decadess at high schools for military dependents.

    They book on many airlines, using their NFCU miles. And, because my SIL and family live in Greece, they also get enough miles to occasionally book using those, as well.

    They used to always use NWA. But Delta being the corporate jerks they are, they are currently in Athens courtesy of seats on American.

  17. Nice, I am already a Nevy Federal member since my time in the US Army.

    I have financed a vehicle through them in the past. Definitely a solid company. Will be signing up for the card! Thanks!

    We live in Thailand so it looks like we will have to get creative in order to spend the money…considering it is SO much cheaper to live here than in the States!

  18. Ok so my father inlaw is a vet. My brother in law works with customs and immigration. Could we (wife and I) apply via them?

  19. Well, I’m active duty, so maybe I’ll apply and give you guys some updates on this

  20. There’s a long thread on the MyFICO forums about getting into NFCU because they are generous to people trying to fix their credit. If I remember correctly, cousins don’t work (my cousin is Navy, but I didn’t qualify through her), but deceased family members can. My BF is a member through his dad (retired Navy & current civilian contractor), so I could now qualify because the BF is a NFCU member and we live together even though my BF and I are not military. So Daraius is not wrong – there are several degrees of separation that can get you in if you want it enough.

  21. Do they use the SSN to verify a database of military personnel? My dad is retired Army, so I guess I would qualify, right?

  22. My grandpa served in the military decades ago. He died back in 2004. Would I qualify for the credit card? If not, then I will enlist, or convince someone in my family to enlist, so that I can qualify for the credit card.

  23. I just spent 20 minutes on the phone with Navy Federal Credit Union trying to apply for this great card. Even though my father served in the Army for 4 years and my brother in the Navy for 4 years, our family apparently doesn’t qualify to sign up. I was told a family member must have RETIRED from the service or dept. of defense,(as in making a career of it and getting a life long government retirement check).
    The number of applicants capable of qualifying for this card has just drastically diminished…….. darn it….. or did I just talk to a “Too Strict” rep?

  24. Todd talked with a CSR who told him that the family member Sponsor must have Retired from the military, and that may be correct. I just tried the online application, using my deceased father’s military information. He served in the Navy and Navy Reserve, but did not retire from it. I got this error message from the website: “We are unable to locate your sponsor based on the information you provided. Please try again.”

  25. NFCU is the largest CU on the planet but they don’t wink when complying with their membership restrictions. There are no associational loopholes either.

  26. When filling out the app you must have the family member who is already a member’s member number to apply. I would love to apply, but have no family that can qualify.

  27. It looks like you need to either be in the military, have a relative who is currently in the military, or have a parent or grandparent that retired from the military. There are also DOD workers and a few other things. From reading on myfico.com and creditboards.com it looks like some people have gotten in if they get an easy CSR but NFCU apparently do audits of your eligibility for some people so you can get your accounts closed and get kicked out. But it’s not like they throw you in the stockade if you get caught. LOL.

  28. “The “Family Members” section is so broad that it seems that almost everyone in the US could qualify for membership if they wanted!”

    Not true. Reading, applying, and not qualifying for this military-based card was a complete waste of time.

  29. Pingback: Finally a Lucrative Military CC Offer - The Military Frequent Flyer

  30. Thanks for this. I’m a current Soldier so I should be eligible.

    Unfortunately the application page just keep asking me to log in repeatedly when I hit “Apply.” I sent a message to support and am hoping they’ll fix it for me :)

    Thanks again!

  31. Pingback: Miles and points roundup, Click My Tweet, Poland | Miles For Family

  32. I added a note at the top of the post that you need to have *some* military affiliation to get the card. Living in small towns in the Midwest for a long time it seemed that almost everyone (including us) had some military affiliation, but perhaps a bad extrapolation to the entire US population.

  33. My Uncle was retired from air force., so I convinced my mother to join. I then qualified through her.

  34. Taylor – I had the same problem. I created an account, now I can’t apply for the card.

  35. I had an old savings acct with them for years that I stick a little rainy day money in, Im with the other big credit union, which is the best in the united states: USAA. That said, I signed up for the , got an annoying $30K credit limit, and was charged a $49 annual fee 2 days after getting the card. I thought there was no fee? Also, the car rental insurance is a nice perk.

  36. I also got charged with the annual fee and I haven’t even got the card yet. $450 would have been better than $400, but I’ll take that any day.

    Thanks.

  37. Pingback: Best Of Million Mile Secrets - October 2013 | Million Mile Secrets

  38. Is October 31st last day for this 60000 offer?

  39. @Daraius – just to let you know. After you complete the minimum spend, Navy Federal will not award the 60,000 bonus points until after they review account on the 91st day after account opening. Then points will not post until the next Statement closing after the 91st day. For example – my account was opened on 31-OCT. I met the minimum spend in early DEC. Statement closed on 14-DEC – but no bonus points. Response from NFCU stated that they will review the spend on my account on 29-JAN (91st day) and then post points when my statement closes on 14-FEB. Nice :-/

  40. @Christopher – Very nice to know and thanks for the update!

  41. @Christopher,

    Thanks for the update…as I mentioned before, Navy FCU is one of the stingests FCU’s I’ve ever been a part of (over 10 in my lifetime – most of those geared towards military). They do not have that Credit Union feel – well except maybe some of the smaller offices I’ve been in with two tellers! They seem to be more like a bank in their treatment of their customers when you call them…and don’t EVER try to contact a local branch – you can’t!

    I’m looking forward to what flaming hoops will be required to jump through in collecting on this one.

  42. Interesting…my offer said 60000 for spending $1500 – Did you guys use an offer code?

    My offer code was 24256

    Feel free to use if it works more than once….

  43. The $49 fee is charged initially, but credited back in relatively short order (same billing cycle), so it is no fee for the first year, as stated.

  44. Miles have posted and are ready for use! I searched a few flights just as a test. Prices seem comparable to what you find with the big search engines and includes various airlines. I may keep this one as one of my “forever” cards.

  45. Thanks to everyone for the updates!

  46. I am also thinking of keeping this as one of my “forever” cards. $600 signup bonus will cover twelve years of annual fees. So, if you have travel spending, it is like a no annual fee 2% cashback Visa for twelve years, which does not exist anymore (Fidelity 2% card is AmEx). And the $49 annual fee is less than the $89 annual fee for the Barclaycard Arrival., which makes the NFCU Flagship card superior, unless you spend over $20,000/year on the card (then the 2.2% on the Arrival card wins).

    Anyway, thanks again Darius for bringing this card to our attention, even though you don’t get a commission, and even though this issuer is a little outside the box! Personally, I love this card! And my 60,000 point signup bonus should be posting soon.

  47. Oh, and thanks for your post a while back about gravatars! As you can see… it worked! ;-)

  48. @Chris M – Happy New Year! Hope you’re doing well and nice to finally connect a face to your comments!

  49. Thanks for posting about this card. I have been using this card for 3 months now and I love it. Its a great alternate to the Chase Sapphire when not using for travel and resturants. Its always great to hear about cards that are not issued by so called ‘big banks’.

  50. @B Sapkota – Glad you found it useful. It is always nice to know about cards from other banks.

  51. Received my 60000 points today in my account!!!

    Thank-you, Thank-you, Thank-you for bringing this info forward to both MMS & Blake A!!!

    As Christopher accurately predicated, the points did not get posted until “after’ the first closing date, after the 90 days of having the account open.

  52. Any difference between this card and the Capital one Venture?

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