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The Navy Federal nRewards Secured credit card lets you earn rewards while building your credit.

Apply Now for the nRewards® Secured card Not a member? Join today. for the nRewards® Secured card

This card is best for...

  • Establishing Credit

  • New Credit Card Users

  • Rebuilding Credit

Do You Prequalify?

If you're already a member, you can find out if you prequalify for a credit card before you submit an application. This won't affect your credit score.

Prequalify Me for a credit card

Rates, Fees & Rewards


Purchase & Balance Transfer Variable APR between


Terms & Conditions


  • No annual fees
  • No balance transfer fees
  • No foreign transaction fees
  • No cash advance fees


  • 1X points per dollar spent2

Program Description

Our cards are designed with the military in mind.

nRewards was recognized by WalletHub as 'Best Military Credit Card for Credit Building' in 2018.

WalletHub Best Credit Cards Military

How It Works

Deposit at least $200 into your membership savings account (before submitting your application) to back your spending. If approved, we’ll hold your deposit in your account as your card’s credit limit. As you use your card, you’ll earn rewards just like any other credit card, while also earning dividends on your deposit—just like any other savings account.

  • After just 3 months, you could be eligible for an upgrade that provides you additional credit without an additional security deposit. Whether your credit limit is increased will depend on your current credit limit and other factors.
  • Then, at 6 months, we’ll review your credit card account monthly to see if you’re eligible to have your savings account hold removed and your credit card account upgraded to a cashRewards unsecured card. On-time payments and keeping your balance under the credit limit will improve the chances of your credit card being upgraded to an unsecured card.

Features & Benefits

  • No limit on the amount of rewards you can earn; rewards expire after 4 years
  • Points redeemed for cash, statement credit, gift cards and merchandise
  • Rental car coverage

Learn More about nRewards features

Included With All Navy Federal Credit Cards

  • 24/7 access to stateside member reps
  • No balance transfer or foreign transaction fees3
  • Ability to freeze and unfreeze your cards
  • Zero Liability policy for unauthorized transactions
  • Fraud notifications*
  • Access to your credit score


Learn More about the benefits included with all Navy Federal credit cards

Cardholder Resources

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Credit Card Basics

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As of 06/04/2023, nRewards Secured card rate is 18.00% APR and will vary with the market based on the U.S. 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.


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, and ATM cash advance fees. 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. Rewards expire 4 years after they are earned, as long as the account is open.


As of 06/04/2023, nRewards® Secured card rate is 18.00% APR and will vary with the market based on the U.S. Prime Rate. All other Navy Federal Credit Card rates range from 10.74% APR to 18.00% APR, are based on product type and creditworthiness, and will vary with the market based on the U.S. 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. $49 annual fee for Visa Signature® Flagship Rewards.

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