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 card
This card is best for...
New Credit Card Users
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.
Rates, Fees & Rewards
Purchase & Balance Transfer Variable APR between18.00%1
- No annual fees
- No balance transfer fees
- No foreign transaction fees
- No cash advance fees
- 1X points per dollar spent2
Our cards are designed with the military in mind.
nRewards was recognized by WalletHub as 'Best Military Credit Card for Credit Building' in 2018.
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
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
Redeem Credit Card Rewards
Get the most out of your credit card. Redeem your rewards now.Learn Moreabout Redeem Credit Card Rewards
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 Credit Score
Stay on top of your credit. Sign in to your Navy Federal account to easily view your credit score.Learn Moreabout Get Your Credit Score
Credit Card Basics
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
Visit MakingCents to learn what affects your credit score and how you can build a strong credit history.Learn Moreabout Understanding Credit
How to Do a Balance Transfer
Learn how you can move your current credit card balance to a Navy Federal card to consolidate debt and potentially lower payments.Learn Moreabout How to Do a Balance Transfer
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.↵
The views expressed in the reviews are solely those of the individuals posting them. The testimonials are substantively the words of the individual reviewer, but may have undergone minor clerical revisions to ensure readability, add context, or protect private information. Any imagery displayed is for decorative purposes only and is not necessarily associated with the reviewer.