GO BIZ® Rewards Business Credit Cards
Elevate Your Business’ Purchasing Power
Make every dollar go further with a great rate, no annual fee, your choice of rewards and more.
Confirm Eligibility and Apply for Small Business
Business Credit Card Features & Benefits
- Available as Visa® or Mastercard®
- No foreign transaction fees
- Unlimited points earningsFootnote 5
- Points earned for your business expenses
- Multiple cardholders available
- Zero Liability policy for unauthorized transactions
- New purchase protection
- No annual fees
Confirm Your Business' Eligibility Before You Apply
To be eligible for a GO BIZ® Rewards card, business owners need to meet certain credit requirements in addition to the following criteria:
- Must be a Navy Federal Credit Union business member
- Must either have 1 year of tenure as an individual member OR have been in business for at least 24 months
Ready to Apply? Here's How
If you're already a business member and meet eligibility requirements, here's how to apply for a GO BIZ® Rewards credit card.
Single-Owner Business
- Begin the application process by signing in to our secure portal using your Navy Federal personal credentials.
Multi-Owner Business
- Complete the application form and beneficial owner form (if required).
- Print and sign them with a pen (digital signatures aren’t accepted).
- Scan the signed document(s) and submit online using your Navy Federal business credentials.
You’ll receive an update approximately 7–10 business days after you’ve submitted your request.
Note: If you’re a Navy Federal employee applying for business credit, you must contact Business
Solutions at 1-877-418-1462 to apply.
Which Business Credit Card is Right for Your Business?
Visa®
With a Navy Federal GO BIZ® Rewards Visa® Credit Card, you’ll also have access to exclusive travel benefits and a wide variety of valuable discounts:
- Roadside Dispatch
- Auto Rental Collision Damage Waiver
- Discounts on Business and Everyday Purchases
- Travel Accident & Emergency Assistance Services
Explore Visa Benefits for GO BIZ Rewards credit cardabout GO BIZ Rewards Visa credit cardabout GO BIZ Rewards Visa
Mastercard®
GO BIZ® Rewards Mastercard cardholders get special protection services and added convenience:
- Cellular Wireless Telephone Protection
- Mastercard ID Theft Protection
- Savings on Select Business Services
- MasterAssist® Travel Assistance Services
Explore Mastercard Benefits for GO BIZ Rewards credit cardabout GO BIZ Rewards Mastercard credit cardabout GO BIZ Rewards Mastercard
Frequently Asked Questions About Business Credit Cards
Why would I need a small business credit card?
A business credit card gives you the flexibility to finance purchases and streamline expenses for your small business. It also allows you to earn rewards, track purchases and even get purchase protection.
What's the difference between personal and business credit cards?
Business credit cards are designed for business expenses and offer rewards tailored to business spending.
Can I just use my personal credit card instead of a small business credit card?
Using a business credit card is critical for separating your business and personal finances as well as streamlining expense tracking and taxes.
How can I redeem my business credit card rewards?
Mobile Banking
- Sign in to mobile banking.*
- On your Accounts screen, select your GO BIZ® card.
- Select Rewards.
- Tap Redeem Rewards to enter the redemption site and redeem your rewards.
What information is considered when reviewing a GO BIZ® Rewards credit card application?
Income and credit history will be reviewed and additional supporting documents may be requested. All Navy Federal accounts must be maintained in good standing.
What determines my interest rate?
Your GO BIZ® Rewards card’s interest rate is risk-based and determined by the factors listed below. Our evaluation may include a review of information about the business, individual owner(s) and/or guarantor(s) or a combination of:Footnote 1
- Credit scores
- Income
- Debt
- Other credit report factors
GO BIZ Rewards rates will vary with the market based on the U.S. Prime Rate.
Disclosures
Your interest rate, expressed as an annual percentage rate (APR), is determined by adding a margin to The Wall Street Journal Prime Rate. Your margin is a percentage amount that we determine based on an evaluation of relevant credit histories (including, potentially, the credit history of the business entity, individual owner(s) and/or guarantor(s), or a combination). Your APR will vary based on the Prime Rate, and it could increase if the Prime Rate increases or decrease if the Prime Rate decreases. An increase or decrease in your APR will affect the total amount of interest you pay. The variable rate is adjusted quarterly using the highest Prime Rate published in The Wall Street Journal on the first day of the quarter (January 1, April 1, July 1, October 1). Adjustments to the variable rate will be made on the first business day of the following month. Your initial APR will be determined at the time your business credit card account is established and will use the Prime Rate in effect as of the first business day of the month following the last quarterly adjustment.
↵As of 07/01/2025, GO BIZ® Rewards credit card rate is 17.40% - 18.00% APR and will vary with the market based on the US Prime Rate. ATM cash advance fees: None if performed at a Navy Federal branch or ATM. Otherwise, $0.50 per domestic transaction or $1.00 per foreign transaction.
↵ATM Cash Advance Fee: None if performed at a Navy Federal branch or ATM; otherwise, $0.50 per domestic transaction or $1.00 per foreign transaction.
↵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, ATM cash advance fees, and annual fees, if any. Cash-equivalent transactions, such as the purchase, loading, or reloading of gift and prepaid cards (e.g., money orders, GO Prepaid Cards, and other cash-equivalent gift cards), may not be eligible purchase transactions and may not earn rewards.
↵Points expire 4 years from the month in which they were earned, as long as the account is open.
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