Credit Cards · August 2026
Navy Federal publishes card rates while its application page arrives blank
An AI agent ran five ordinary credit cards tasks on the public pages of Navy Federal Credit Union and scored what each page delivered.
Run 6 August 2026 · five tasks · public pages, logged out · Credit union
75/100
Mystery Agent score
Credit Cards · rank 6 of 25
Purchase APR
92Served as text
Card comparison
90Served as text
Pricing and terms
88Served as PDF
Welcome offer
90Served as text
Application page
15Arrives after scripts
Summary
- The credit cards hub page lists six cards side by side with fee, APR, and welcome offer details.
- The Flagship card's welcome offer states 35,000 points, a free Amazon Prime membership, and a $3,500 spend requirement within 90 days.
- The application page for the Flagship card renders as a script shell with 16 characters of visible text and zero form fields.
Navy Federal Credit Union also appears in the Deposits study, where it scores 77 and ranks 5 of 25.
See that scorecard.
Task by task
Each task is scored out of 100 on completion, answer quality and how directly the answer was reached. Each note describes what the page delivered, with a link to the page the answer was found on.
Task 01Purchase APRServed as text92 out of 100
An automated reader found the Visa Signature Flagship Rewards card's purchase APR stated as 14.74% to 18.00% in plain page text, confirmed to the same figures in the card's official terms disclosure.
Task 02Card comparisonServed as text90 out of 100
The credit cards hub page places the cashRewards card, which carries a $0 annual fee and cash back up to 2%, next to the Flagship Rewards card, with a $49 annual fee and travel-focused points.
Task 03Pricing and termsServed as PDF88 out of 100
The Flagship card's official terms document lists purchase, balance transfer, and cash advance APRs, a $49 annual fee, a $0 balance transfer fee, and late fees up to $20, extracted cleanly as plain text.
Task 04Welcome offerServed as text90 out of 100
The hub page states the Flagship card's welcome offer as 35,000 bonus points plus a free Amazon Prime membership when a new cardholder spends $3,500 within the first 90 days of account opening.
Task 05Application pageArrives after scripts15 out of 100
A plain fetch of the Flagship card's application link returned a 23,088-byte page holding only 16 characters of visible text and zero input fields, an Angular application shell that renders after scripts run.
You could score big with free Amazon Prime, plus 35K bonus points when you spend $3.5K in 90 days.
The application page
What the account opening page states to a reader that runs no scripts.
23,088Bytes delivered
16Characters of visible text
0Form fields in the first response
After scripts runWhat an applicant needs
Strengths and opportunities
What is working
- The credit cards hub page serves a complete side by side comparison of six cards, cashRewards and cashRewards Plus, cashRewards Secured, More Rewards Amex, Flagship, GO REWARDS, and Platinum, with annual fee, APR range, rewards rate, and welcome offer for each, all in one plain-text fetch and no script gating.
- Rates and fees disclosures are published as clean, well-labeled PDFs that pdftotext extracts perfectly. The Flagship disclosure alone gives a full Schumer box: purchase, cash advance and penalty APRs, minimum interest charge, and every fee category with dollar amounts.
- The welcome offer for the flagship card states bonus value, spend requirement, and time window in a single readable sentence right on the comparison page, rather than hiding those numbers behind a click-through or a script.
Opportunities
- The application application page for every card resolves to a JavaScript single-page application shell. A plain GET returns 16 characters of visible text and zero form fields, so an agent cannot read what documentation, income, or eligibility information the application will ask for before the interactive app loads. Publishing a lightweight static landing page ahead of the app, stating membership eligibility and required documents in plain text, would let agents read the application page the way they already read the rest of the site.
- llms.txt does not yet point to the credit card hub, individual product pages, rate pages, or the terms PDFs. An agent relying only on that file would miss the well-built comparison table and Schumer-box disclosures entirely, even though both already exist in clean delivered HTML and PDF form.
- Several time-boxed promotional landing pages underthe application path are excluded by robots.txt. The current welcome offers are still fully readable from the standard hub and product pages, so this is a minor efficiency note rather than a gap, but it means an agent following a marketing link from elsewhere on the web could hit a disallowed path instead of the always-open hub.
Access
Every page the agent requested was delivered on the first attempt. An llms.txt file is published, which gives agent traffic a documented entry point.
Back to the credit cards leaderboard · Read the report · How the study works
