The right card
for every moment
Earn cash back on groceries, rack up miles for your next trip, or build credit with confidence. Najem Financial credit cards are engineered to reward every swipe.
On qualifying category purchases with eligible cards
On purchases and balance transfers for new cardholders
After meeting minimum spend requirements in first 3 months
Find your perfect card
Every Najem Financial card is built with a purpose. Choose the rewards structure that matches how you live and spend.
Compare your rewards potential
Estimated annual rewards earned on $500/month of everyday spending across Najem Financial card types.
*Based on $500/month total spending. Actual rewards may vary by spending category and card terms.
Frequently Asked Questions
Everything you need to know before you apply.
Consider how you spend most — if groceries and gas are your top categories, a cash back card is ideal. Frequent travelers benefit most from a travel rewards or miles card. If you're building or rebuilding credit, start with a secured or student card. Najem Financial's card comparison tool can help match you in under 60 seconds.
Checking if you're pre-approved uses a soft inquiry, which does not affect your credit score. A hard inquiry only occurs when you formally submit your application. Most applicants see any score impact fully recover within 6–12 months of responsible card use.
Welcome bonuses are earned after you meet the minimum spend requirement within the first 90 days of account opening. For example, spend $500 in the first 3 months and earn $200 cash back. Points-based bonuses (like 75,000 points) are credited to your account within 2–3 billing cycles after qualifying.
Find your perfect card
in minutes
Check for pre-approval offers without impacting your credit. Compare cards side-by-side and apply with confidence in under 5 minutes.
Subject to credit approval. See individual card terms and conditions for full details. Najem Financial is an FDIC member institution.