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

*cashRewards credit cards earn 1.75% cash back on net purchases for cardholders with direct deposit at Navy Federal, or 1.5% cash back for cardholders without direct deposit. 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, and ATM cash advance fees. Cash equivalent transactions, such as the purchase, loading, or reloading 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. To be eligible to receive 1.75% cash back on net purchases with your cashRewards card, you must either currently have direct deposit at Navy Federal or must set up and maintain direct deposit at Navy Federal. Direct deposit is defined as a recurring ACH from your employer, military pay, or certain government agency pay or benefits deposited into your Navy Federal deposit account. You will start earning 1.75% cash back once we confirm you have direct deposit at Navy Federal.

1. ResortPass
Ends 9/30/2025, subject to early termination. Make a booking or purchase of a gift card of $200 or more on ResortPass using (a) your eligible World Elite Mastercard and receive a $30 statement credit; or (b) your eligible World Mastercard and receive a $20 statement credit. Eligibility restrictions, exclusions, and terms apply. For full terms, see Resortpass.com/Mastercard. ↩

2. Instacart
Ends 3/31/2025, subject to early termination. Add an eligible U.S. World or World Elite Mastercard credit card and subscribe as a new Instacart+ member to receive a free two-month trial and a $10 Instacart coupon on your second qualifying order each month. Must have an active Instacart+ membership paid for with an eligible card and complete one qualifying Instacart order each month. By redeeming this offer, you agree to the Instacart+ terms, and if you select a paid plan, your Instacart+ membership will auto-renew and the applicable membership fee will be billed automatically to any payment method on file until you cancel. Additional terms apply. Please visit www.instacart.com/p/mastercard-offer. ↩

3. Peacock
Ends 3/31/2025, subject to early termination. Must use qualifying Mastercard World or World Elite credit card and subscribe to a full-priced Peacock Premium plan directly from Peacock to receive a $3.00 monthly statement credit. Statement credit ends when user no longer meets eligibility requirements. Additional eligibility restrictions, exclusions, and terms apply. For full terms, see www.peacocktv.com/offer-terms/mastercard. ↩

4. 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. ↩

5. 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. ↩

6. Lyft
Take 3, Get $5: Beginning 4/1/21 and running through 9/30/25, Lyft users can participate in Lyft and Mastercard’s Take 3, Get $5 program (“Program”) by taking and partially or fully paying for three (3) Eligible Rides in a calendar month to receive a $5 Lyft credit (“Credit”). The rides must be paid for with an eligible World or World Elite Mastercard credit card (Apple Card is not eligible for this program, but Apple Pay or Google Pay may be eligible if your World or World Elite Mastercard credit card is the funding source). Limit one Credit per calendar month per Lyft account. An “Eligible Ride” is any Lyft ride type, excluding business rides and bicycle and scooter rental rides. Valid only in the USA. Whether a ride qualifies as an Eligible Ride for purposes of the Credit will be determined in Lyft’s sole discretion. Credits expire thirty (30) days after application. Limited time only and while supplies last. By participating in the Program, you agree to these terms and Lyft’s Terms of Service, and you agree that Lyft and Mastercard may share your information for the purposes of tracking and processing the Credit and may use anonymized, aggregated data for business analytics and offer optimization. Credits may take up to two (2) days to be applied to your Lyft account. ↩

7. ShopRunner
Valid through 9/30/25. To get the free ShopRunner membership offer, compliments of Mastercard, please go to www.shoprunner.com/mastercard and verify your eligibility for the offer with a World Mastercard or World Elite Mastercard account number and then complete the sign-up for a ShopRunner membership account. For details on how the ShopRunner membership works, please see the ShopRunner Terms and Conditions at www.shoprunner.com/terms/sr which govern the use of your ShopRunner membership offer. ↩

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Navy Federal Credit Union is federally insured by NCUA. Equal Housing Lender Equal Opportunity Employer. Navy Federal conducts all member business in English. All origination, servicing, collections and marketing materials are provided in English only. As a service to members, we will attempt to assist members who have limited English proficiency, where possible. Military images used for representational purposes only; do not imply government endorsement.