Navy Federal GO REWARDS

The GO REWARDS earns 3 points per dollar on dining and 2 points on gas with no annual fee, which makes it a reasonable everyday card for Navy Federal members who eat out and drive often. A 0.99% intro APR on purchases for 6 months softens the cost of a near-term purchase, and Navy Federal charges no balance transfer fees. The catch is that everything outside dining and gas earns just 1 point per dollar, and there is no signup bonus to give you a head start. No foreign transaction fees and rental car collision damage coverage are useful extras. It works best as a dining and gas specialist paired with a stronger flat-rate card for everything else.