A prequalification request will not result in an impact to my credit report. By accepting a pre-qualified offer, a hard inquiry may occur which may have an impact on my credit report.

^Introductory Promotional Offer: Earn a $150 cash back bonus when you spend $2,000 or more on eligible purchases within the first 90 days from account opening with your new Navigant Credit Union Cash Back Elite World Mastercard®. Purchases must be made using the card and posted to your account within 90 days of account opening. Certain transactions do not qualify for cash back rewards. For example, balance transfers, cash advances, accounts fees or charges, interest charges, life insurance charges, money orders, wire transfers, lottery tickets, gambling charges, or unauthorized charges to your account do not earn cash back rewards. Purchases are submitted and categorized by the merchant, not Navigant Credit Union. A purchase will not receive any rewards points if the merchant’s code is not eligible. To qualify, you must open a new Navigant Credit Union Cash Back Elite World Mastercard® between Enero 1, 2026, and Junio 30, 2026. Navigant Credit Union may terminate the availability of this offer sooner. This offer is limited to one offer per account. Cash Back Bonus may be considered taxable income. Please contact your tax accountant. The one-time bonus will be paid as rewards points once your account has reached the required spend amount.  Account must be open and active to receive the bonus. Allow 90 days for your bonus rewards points to post. Credit Cards are issued by Navigant Credit Union. Member NCUA. This offer and the rewards program are governed by the terms and conditions set forth in the Rewards Guide which can be found here and will also be provided with your card.

Cash Back Elite World Mastercard® Purchase & Transfer APR: 18.49% – 28.49% variable APR . Cash Advance APR: 29.49% variable. Cash Advance Fee: Either $10 or up to 5% of the amount of each cash advance, whichever is greater. Balance Transfer Fee: Either $10 or 5% of the amount of each transferred balance, whichever is greater, that posts to your account at a Promotional APR that we may offer you. If you received a Promotional Balance Transfer Offer, it must be used within the first  90 days from account opening. 

1Earn Unlimited Cash Back on eligible purchases. Program terms, exclusions, and redemption details apply. See the Rewards Guide for complete information.

²GLOBAL ENTRY or TSA PreCheck® REWARDS POINTS CREDIT: To be eligible for a Rewards Points credit you must use your Cash Back Elite World Mastercard® to either: (1) to pay the $120 application fee for a completed Global Entry application OR (2) to pay the $76 application fee for a completed TSA PreCheck application. A Rewards Points credit will be processed after the Global Entry program application fee OR TSA PreCheck application fee is charged to your Cash Back Elite World Mastercard®. You will receive a Rewards Points credit that will post in Enero, based on activity from the previous year, for the application fee that posts to your account first, up to a maximum of either: one (1) $120 Rewards Points credit per account, OR one (1) $76 Rewards Points credit per account, once every forty-eight (48) months in connection with the Global Entry or TSA PreCheck program application fee. Application fees are as of Agosto 2025. Visit the official TSA PreCheck website for the most current information on fees and providers. Rewards Points credit amount may vary if application fees change, but in no event will the Rewards Points credit exceed the maximums set forth above. Transaction eligibility is based on the transaction description and merchant category code (“MCC”) under which the merchant processes the transaction. Navigant is not responsible for: 1) the merchant’s transaction description, 2) the exclusion of merchants within a MCC, 3) delays in the merchant submitting the transaction or 4), if the transaction date provided by the merchant differs from your actual purchase date. If at any point you are no longer a Navigant Credit Union Cash Back Elite World Mastercard credit cardmember, you may no longer qualify to receive this offer. Your eligible card account must be open and in good standing at the time of Rewards Points credit fulfillment. Global Entry is a U.S. Government program, operated by U.S. Customs and Border Protection (CBP). TSA PreCheck is a U.S. Government program, operated by the U.S. Transportation Security Administration (TSA). Navigant has no control over either program including, but not limited to, applications, approval process or enrollment, or fees charged by CBP or TSA, and has no liability regarding any aspect of either the Global Entry or TSA PreCheck programs. For complete details on the Global Entry program, including full terms and conditions, go to globalentry.gov. For complete details on the TSA PreCheck program, including full terms and conditions, go to tsa.gov. Websites and other information provided by government agencies are not affiliated with Navigant. The TSA PreCheck trademark is used with the permission of the U.S. Department of Homeland Security. 

³CLEAR+® REWARDS POINTS CREDIT: To be eligible for a Rewards Points credit associated with your CLEAR+ membership you must use your Cash Back Elite World Mastercard® to pay the $199 application fee. A Rewards Points credit will be processed after the CLEAR+ application fee is charged to your Cash Back Elite World Mastercard®. The cost of application fees noted are as of Agosto 2025. Rewards Points credit amount may vary if application fees change. Cardmembers who meet the annual spend threshold of $25,000 on eligible purchases between Enero 1 and Diciembre 31 will receive up to a $199 Rewards Points credit in Enero of the following year. The Rewards Points credit will be posted to your account in Enero, based on your activity from the previous year. Your eligible card account must be open and in good standing at the time of rewards points credit fulfillment. For additional information on the CLEAR+ program, including information regarding CLEAR+ membership, eligibility, and for a list of participating locations, as well as the full terms and conditions of the program, please go to clearme.com. The CLEAR program is subject to change. Navigant has no control over the CLEAR+ program including, but not limited to, applications, approval process or enrollment, or fees charged and has no liability regarding any aspect of CLEAR+ programs. Terms and conditions apply. This benefit is subject to change and may be modified or terminated at any time. CLEAR+® is a registered trademark of CLEAR. 

4MasterRentalCoverage: MasterRental Coverage is provided by New Hampshire Insurance Company, an AIG Company, under a group policy issued to Mastercard. Coverage is secondary to other insurance and is available only when you initiate and pay for your entire rental transaction with your eligible Navigant Credit Union Mastercard® and decline the rental company’s optional collision/damage waiver. Certain terms, conditions, and exclusions apply. For complete details, including claim procedures, limitations, and state-specific availability, please refer to the  Navigant Credit Union Cash Back Elite World Mastercard Guide to Benefits. 

5Trip Cancellation Coverage: Trip Cancellation and Trip Interruption Insurance are provided by New Hampshire Insurance Company, an AIG Company, under a group policy issued to Mastercard. Coverage applies when the full fare of a common carrier trip is charged to your eligible Navigant Credit Union Mastercard®.Certain terms, conditions, and exclusions apply, including coverage limitations and definitions of covered losses. This benefit is secondary to other applicable insurance. For full details, please refer to the Navigant Credit Union Cash Back Elite World Mastercard Guide to Benefits. 

6Priority Pass: Eligible Navigant Credit Union Cash Back Elite World Mastercard® cardholders receive access to airport lounges through Priority Pass™. Lounge visit fees may apply (currently $35 per person, per visit). Lounge availability, amenities, and offers vary by location and are determined by Priority Pass. Offers may change without notice. For additional information about this and other card benefits, please refer to the Navigant Credit Union Cash Back Elite World Mastercard Guide to Benefits.

⁷Instacart+: Begins Septiembre 1, 2025 and ends Enero 31, 2027, subject to early termination. Eligible Mastercard US Credit cardholders, and Mastercard US Debit cardholders who are new Instacart+ subscribers can receive 3 months of free Instacart+. Eligible US Mastercard® credit cardholders who are new or existing Instacart+ customers, and all Mastercard US debit cardholders who are new to Instacart+ as of Septiembre 1, 2025 can receive $10 off on their second qualifying order of $10 or more, each month. Must have an active Instacart+ membership paid for with an eligible card and complete one qualifying Instacart order each month. Service fees, other fees, taxes and/or tips may apply to deliveries. 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. 

8Mastercard Music and Entertainment Access: Mastercard Presale is subject to availability and while supplies last. A valid Mastercard consumer credit card is required for Presale ticket purchases. Ticket availability, maximum number per cardholder and applicable dates will vary based on venue and card type. This Presale ticket benefit will be valid through 3/31/2027. All sales are final. This offer is not available to Mastercard Business, Commercial or other Mastercard non-consumer credit cardholders. Other restrictions/exclusions may apply. To access presale tickets, enter the first 6 digits of your eligible Mastercard credit card account number (no dashes) in the “Offer Passcode” field. Mastercard is not responsible for fulfillment of the offer. By participating, you agree to be bound by these terms & conditions and the Priceless Terms of Use, which can be found at: https://www.priceless.com/terms. Additionally, this experience will be sold to you by Ticketmaster or TicketWeb. Purchases and/or reservations made, and any information provided by the cardholder are subject to Ticketmaster’s Terms of Use or TicketWeb’s Terms of Use, as applicable. 

9Mastercard Travel & Lifestyle Services® Certain terms, conditions and exclusions apply. This benefit may be subject to change without prior notice. Please visit http://travel.mastercard.com/product/terms for the latest benefit information and terms & conditions. 

¹⁰Mastercard Zero Liability Protection: These are summary descriptions only. Certain terms, conditions and exclusions apply. To learn more about Zero Liability, visit mastercard.com/zeroliability. Contact your issuing financial institution for complete coverage terms and conditions or call 1.800.Mastercard (1.800.627.8372) for assistance. Applicable to U.S. cardholders only. 

¹¹Mastercard ID Theft Protection: Certain terms, conditions and exclusions apply. Cardholders need to register for this service. This service is provided by Iris® Powered by Generali. Please see your guide to benefits for details or call 1-800-MASTERCARD. 

¹²Wireless carrier, text and/or data charges may apply.

Navigant Credit Union reports information about your Account to credit bureaus. Payments made by your billing statement due date can help build or establish your credit. Negative credit information, including late payments, missed payments, or other defaults on your Account may be reflected in your credit report and may adversely impact your ability to build credit. Subject to individual credit approval.

Apply Pay is a trademark of Apple Inc., registered in the U.S. and other countries.

Samsung and Samsung Pay are registered trademarks of Samsung Electronics Co., Ltd.

Google pay is a trademark of Google LLC. Google Pay works on Android devises running Android Lollipop 5.0 or above.

Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

Credit Cards are issued by Navigant Credit Union NCUA.