Navy Federal cashRewards Plus

The cashRewards Plus is a simple 2% flat cash-back card with no annual fee and no foreign transaction fee, and for Navy Federal members that makes it an easy everyday choice. You can't apply for it directly: it is issued when your cashRewards application is approved for a credit limit of $5,000 or more, and lower limits get the regular 1.5% version instead. There is a $250 bonus after $2,500 in spending within 3 months. Navy Federal also offers a 1.99% intro APR on balance transfers for 12 months and charges no balance transfer fee, a rare combination. The tradeoff is that there are no bonus categories and few extras beyond rental car collision damage waiver coverage, so this card works as a steady base for your spending, not as a way to maximize rewards.