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Both the Navy Federal Credit Union Visa Signature cashRewards Card and the Navy Federal Credit Union cashRewards World Mastercard® offer enticing cash back rewards without the burden of annual fees, appealing to those with fair to good credit. While both cards are strong contenders, the Navy Federal cashRewards World edges ahead with a slightly higher cash back rate for those with direct deposit.

However, the Navy Federal cashRewards Visa Signature card should not be overlooked, especially for those who may benefit from its Visa-specific perks and the absence of foreign transaction fees.

Neither card has an introductory APR offer, and both require a military affiliation to apply. The Mastercard version stands out with a special offer for Walmart+ members, making it particularly attractive if you frequently shop at Walmart.

You might prefer the Navy Federal cashRewards if you value straightforward cash back on all purchases without the need to manage direct deposits. Its 1.5% cash back on general purchases and lack of annual and foreign transaction fees make it a hassle-free option for everyday spending.

You might prefer the Navy Federal cashRewards World if you already have or plan to set up direct deposit with Navy Federal, as this will boost your cash back rate to 1.75%. This card is also free of annual and foreign transaction fees, making it a strong contender for those who can maximize the higher rewards rate.

Evaluating APRs, fees, credit requirements, rewards and additional features will clarify which card aligns with your financial needs. For instance, if avoiding foreign transaction fees is important, both cards meet that criterion. However, specific offers like the Walmart+ membership credit may sway your preference towards the Navy Federal cashRewards World.

Both the Navy Federal cashRewards and cashRewards World offer up to 1.75% cash back for those with direct deposit. Without direct deposit, both cards offer a standard 1.5% cash back on purchases.

Below is a table of bonus categories to help you compare the rewards programs of both cards at a glance.

After accumulating rewards on either card, you'll find flexibility in redemption. Neither card imposes an expiration date on rewards, ensuring you can redeem them at your convenience. Options for redemption are similar across both cards, with cash back being redeemable for statement credits, gift cards and other cash-equivalent items.

In assessing the Navy Federal cashRewards and Navy Federal cashRewards World cards, MoneyGeek's ranking process evaluates multiple use cases, such as cash back and balance transfers.

For this comparison, both cards are highlighted for their performance in the cash back category. The most significant factors influencing their cash back scores include the effective reward rate and the return on investment for offers. For a deeper understanding of our comprehensive ranking process, you can review our ranking methodology.