GO BIZ ® Rewards Business Credit Cards

Our GO BIZ® Rewards credit card can help keep your business moving forward. Boost your buying power with a great rate, no annual fee, your choice of rewards and more.

The GO BIZ Rewards card also makes it easier to track and manage your business expenses and keep your business and personal finances separate. Plus, with its contactless technology, you can make purchases quickly and securely with just a tap.

Variable APR Footnote 1

18%

Annual Fee Footnote 2

Rewards Footnote 3

1X points per dollar spent

Program Description

Features & Benefits

• Available as Visa® or Mastercard®
• No foreign transaction fees
• No earnings cap Footnote 4
• Great for travel and expenses
  
• Multiple cardholders available
• Zero Liability policy for unauthorized transactions

Confirm Your Business’s Eligibility Before You Apply

To be eligible for a GO BIZ Rewards card, business owners need to meet certain credit requirements in addition to the following criteria:

• Navy Federal Credit Union business member
• must either have 1 year of tenure as an individual member OR have been in business for at least 24 months

Additional Benefits

Visa

With a Navy Federal GO BIZ® Rewards Visa® Credit Card, you’ll also have access to Visa’s special security benefits.

Mastercard®

GO BIZ® Rewards Mastercard cardholders enjoy added business programs and benefits that provide enhanced ease and convenience to business management. Select services include:

Frequently Asked Questions About Business Credit Cards

Why would I need a small business credit card?

A business credit card gives you the flexibility to finance purchases and streamline expenses for your small business. It also allows you to earn rewards, track purchases and even get purchase protection.

What is the difference between personal and business credit cards?

A business credit card offers rewards that are more targeted toward business needs.

Can’t I just use my personal credit card instead of a small business credit card?

In addition to keeping your business finances better organized, a business credit card may provide benefits you don’t get with a personal credit card.

Ready to Apply? Here's How.

If you're already a business member and meet eligibility requirements, here's how to apply for a GO BIZ® Rewards credit card.

• Begin the application process by signing in to our secure portal using your Navy Federal personal credentials.

• Complete the application form and beneficial owner form (if required). Print them out and sign with a pen (digital signatures aren’t accepted). Then scan the signed document(s) and submit online using your Navy Federal business credentials.

You’ll receive an update approximately 7–10 business days after you’ve submitted your request.

Note: If you’re a Navy Federal employee applying for business credit, you must contact Business Solutions at 1-877-418-1462 to apply.

Disclosures

As of 08/01/2024, GO BIZ® Rewards credit card rate is 18.00% APR and will vary with the market based on the U.S. Prime Rate. ATM cash advance fees: None if performed at a Navy Federal branch or ATM. Otherwise, $0.50 per domestic transaction or $1.00 per foreign transaction.

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.

Rewards are earned on eligible net purchases. “Net purchases” means the sum of your eligible purchase transactions minus returns and refunds. Eligible purchase transactions do not include, and rewards are not earned for, the following transactions: cash advances, convenience checks, balance transfers, gambling, or fees of any kind, including finance charges, late fees, returned check fees, ATM cash advance fees, and annual fees, if any. Cash-equivalent transactions, such as the purchase, loading, or reloading of gift and prepaid cards (e.g., money orders, GO Prepaid Cards, and other cash-equivalent gift cards), may not be eligible purchase transactions and may not earn rewards.

Points expire 4 years from the month in which they were earned, as long as the account is open.