Navy Federal GO REWARDS

GO REWARDS is a no-annual-fee card built around one category: 3 points per dollar on dining, with 2x on gas and 1x on everything else. If you eat out often and want a card that costs nothing to hold, that is a reasonable trade, though the 1x base rate means you should not run general spending through it. The rate that stands out is the APR: 13.49% to 18% ongoing is meaningfully below the market, and there is an introductory 0.99% on purchases for the first 6 months if you need to finance something in the short term. Navy Federal also charges no balance transfer fees on this card, which is worth more than it sounds when most issuers take 3% to 5%. There is no welcome bonus, so the case for this card rests entirely on the dining rate and the low ongoing interest rather than any upfront payoff.