nRewards® Secured Credit Card
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 cardThis card is best for...
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Establishing Credit
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New Credit Card Users
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Rebuilding Credit
Rates, Fees & Rewards
Fees
- No annual fees
- No balance transfer fees
- No foreign transaction fees
- No cash advance fees
Our cards are designed with the military in mind.
nRewards was recognized by WalletHub as 'Best Military Credit Card for Credit Building' in 2018.
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 FICO® Score4
Learn More about the benefits included with all Navy Federal credit cards
Cardholder Resources
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Redeem Credit Card Rewards
Get the most out of your credit card. Redeem your rewards now.Learn Moreabout Redeem Credit Card Rewards -
Member Deals
Use your credit card to shop our online Member Deals. You'll get higher rewards just for purchasing through Member Deals, free shipping from certain retailers, exclusive offers and other perks.Learn Moreabout Member Deals -
Get Your FICO® Score
Stay on top of your credit. Sign in to your Navy Federal account to easily view your FICO Score.Learn Moreabout Get Your FICO® Score
Credit Card Basics
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How to Apply for a Credit Card
Demystify the application process. Learn how to apply, how long the process takes and what the impact will be on your credit.Learn Moreabout How to Apply for a Credit Card -
How Credit Cards Work
Credit cards are valuable tools to establish and build credit. Learn how they work and how to use them responsibly.Learn Moreabout How Credit Cards Work -
Understanding Credit
Visit MakingCents to learn what affects your credit score and how you can build a strong credit history.Learn Moreabout Understanding Credit -
Balance Transfers
Learn how you can move your current credit card balance to a Navy Federal card to consolidate debt and potentially lower payments.Learn Moreabout Balance Transfers
Disclosures
As of 12/29/2020, rates are 18.00% APR, are based on 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.
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, Visa® Buxx Cards, GO Prepaid Cards and other cash equivalent gift cards), may not be eligible purchase transactions and may not earn rewards.
↵For all Navy Federal Credit Cards: As of 12/29/2020, rates range from 5.99% 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.
↵FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.
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