What benefits can I enjoy with my Navy Federal Business Mastercard®?

*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, 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 re-loading of gift and prepaid cards (e.g., money orders, Visa^® Buxx Cards, GO Prepaid Cards and other cash equivalent gift cards), may not be eligible purchase transactions and may not earn rewards.

1. Luminary
This offer is valid from June 1, 2024, through November 30, 2025. Each Luminary customer who utilizes a U.S.-issued Mastercard Small Business credit card (Eligible Mastercard Card) to purchase any annual Luminary membership plan on the Luminary website during the offer period, whether for the first time, upgrade, or at renewal, will receive a 30% discount off the total price of such annual membership. This offer excludes digital wallet payments. This offer cannot be combined with any other discount or coupon. During the offer period, your discounted membership is set to automatically renew at the end of the membership year. Your membership will automatically renew at the then-current annual membership price with the 30% discount applied so long as your card on file is still an Eligible Mastercard Card.

However, if you change(d) your card on file to a non-eligible mastercard Card or other credit card type, you will not receive the 30% discount at the time of renewal. You will have the option to update your payment method before your membership automatically renews. If your discounted membership is scheduled to expire after the offer period, then your membership will expire at the end of its 12-month term unless you elect to renew at the then current annual membership price. If you would like to cancel or change your membership you must do so by emailing info@weareluminary.com seven (7) business days prior to the next billing cycle. Luminary does NOT offer refunds if you are charged and then want to change or cancel your membership plan. By redeeming this offer, you agree to the full Luminary terms; see additional terms that apply here. Offer is subject to change without notice. For full offer terms and conditions please visit here. ↩

2. Booking.com
Valid until 9/30/2025. Bookings must be prepaid and made through booking.com/mastercardUS to be eligible for this offer. To redeem, visit booking.com/mastercardUS, choose a property marked with a “Save when you pay now with your eligible Mastercard” tag, and then select “Pay Now” using an eligible Mastercard credit card at checkout. The discount will be applied automatically at the time of prepayment and will vary based on the property and dates selected. Additional eligibility restrictions, exclusions, and terms apply. See full terms and conditions. ↩

3. HealthLock
HealthLock is an end to end analytics driven platform that helps protect cardholders’ medical identities and data and monitors their medical claims for errors, fraud and overbilling. HealthLock provides three plan levels:

• Medical Claim Monitor: Helps guard against medical fraud and privacy intrusions by monitoring medical data breaches, providing alerts and helping remediate medical fraud issues.
• Medical Claim Auditor: Organizes, tracks and audits all healthcare bills (24 month retroactive audit and ongoing auditing) in one place, verifying that all bills are accurate and identifying potential overcharges and insurance errors. This level includes everything from the previous plan.
• Medical Claim Saver: Provides access to medical bill negotiation with providers and insurance companies to potentially help reduce bills and reverse claim rejections. This level includes everything from the previous plan.

Enrolled users receive, at no cost, Medical Claim Monitor, plus a premium upgrade to Medical Claim Saver for the first 90 days. After 90 days, users will continue to receive Medical Claim Monitor at no monthly cost and have the option to continue with Medical Claim Auditor for $4.99 per month or Medical Claim Saver for $19.99 per month. See full terms here. ↩

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