Navigant Cash Back Elite World Mastercard — $150 Sign-Up Bonus (2026 Review)
Affiliate disclosure: Fat Stacks Academy may earn a commission if you open an account through this link, at no additional cost to you.
- Minimum spend: $2,000 within 3 months of account opening
- Availability: RI, CT, MA
- Annual fee: $349
No published application rulesSmall banks and credit unions rarely publish application limits, and there is usually no community rule either.
The rules on this page exist because a handful of large issuers apply them consistently enough that people could map them from thousands of reported approvals and denials. Smaller institutions do not generate that volume and do not publish an equivalent. Two things still apply. Most credit unions require membership before you can apply at all, usually tied to where you live, work, worship or study, and that is a separate gate from the credit decision. And the welcome bonus terms on the card itself can still restrict earning it twice, so read them.
Rewards Earning
Key Benefits
- Unlimited 4% cash back on travel, 3% on restaurants, 2% on gas, entertainment, and streaming, and 1.5% on everything else
- $150 cash back after spending $2,000 in the first 90 days
- $349 annual fee with CLEAR+, TSA PreCheck, and Priority Pass lounge access
- 0% intro APR on purchases for 6 months and on balance transfers for 12 months; no foreign transaction fees
Overview
The Navigant Cash Back Elite World Mastercard currently offers $150 after $2,000 in purchases within 3 months. The annual fee is $349. Estimated net first-year value is $-199 using the catalog's published valuation assumptions.
Pros
Cons
Notes
Plan for roughly $667 per month in organic purchases to complete the $2,000 requirement inside 3 months. Do not carry interest-bearing debt to earn the bonus, and confirm that every planned purchase is eligible.
How This Compares
The closest current Navigant-Cu comparison in the catalog is the Navigant Cash Back World Mastercard, with $100 after $1,000 in 3 months and a $0 annual fee. Compare net first-year value and long-term fit.
Frequently Asked Questions
What is the current Navigant Cash Back Elite World Mastercard welcome offer?
The current catalog offer is $150 after $2,000 in purchases within 3 months. Confirm the issuer page before applying.
What is the Navigant Cash Back Elite World Mastercard annual fee?
The annual fee is $349.
How should I value the Navigant Cash Back Elite World Mastercard offer?
Using the site's catalog assumptions, the estimated net first-year value is $-199 after the first-year annual fee and tracked statement credits. Your redemption value can differ.
Sources (1)
We last checked this against the bank's page on September 26, 2026.
More Navigant-Cu offers we track
Add this offer directly to your dashboard so you can track its requirements, deadline, and payout.
Stacks OS also tells you which bonus to do next for YOUR paycheck.
What actually counts as a direct deposit at 53 banks. Fidelity, Schwab, ACH pushes, all in one printable table, verified.
Comments (0)
Fat Stacks Academy may earn a commission when you open an account through links on this page, at no additional cost to you. Commissions do not influence our reviews — we verify offer terms directly with each bank before publishing and do not accept paid placement in our rankings. Bonus offers, requirements, and fees are determined by each financial institution and may change at any time. Always verify the current terms directly with the bank before applying. This content is for informational purposes only and does not constitute financial advice.