The Navy Federal nRewards Secured credit card lets you earn rewards while building credit with a deposit as low as $200.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
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.
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 security. The amount held will equal 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
Redeem Credit Card Rewards
Get the most out of your credit card. Redeem your rewards now.Learn More about 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 More about 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 More about Get Your Credit Score
Credit Card Learning Center
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 More about 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 More about How Credit Cards Work
Credit Scores & Reports
Visit MakingCents to learn what affects your credit score and how you can build a strong credit history.Learn More about Credit Scores & Reports
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 More about How to Do a Balance Transfer
As of 02/28/2024, 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 02/28/2024, 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 11.24% 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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