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

Apply Now for the nRewards Secured credit card

This card is best for...

  • Establishing Credit

  • New Credit Card Users

  • Rebuilding Credit

Rates, Fees & Rewards


Purchase & Balance Transfer Variable APR between

11.24% - 18.00% 1

Terms & Conditions


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


  • 1X point per dollar spent2

Program Description

Visa & Mastercard PDF

Our cards are designed with the military in mind.

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

Features & Benefits

Here's how it works. Deposit at least $200 into your savings account (before submitting your application) to back your spending. Once approved, the deposit will determine your card’s credit limit and be held. You’ll earn rewards like any other credit card, and you’ll earn dividends on your hold, just like any other savings account.

  • No rewards limit
  • Starting at 6 months, we’ll review your account monthly to see if you’re eligible to have your deposit returned by removing the hold
  • Points redeemed for cash, statement credit, gift cards and merchandise
  • Cell phone protection
Learn More about the nRewards Secured credit card

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 reported unauthorized transactions
  • Fraud notifications*
  • Access to your FICO® score4
Learn More about the benefits included with all Navy Federal credit cards

Cardholder Resources

  • Redeem Rewards

    Get the most out of your credit card. Redeem your rewards now.

    Learn More about Redeem 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 More about Member Deals
  • FICO® Score

    Stay on top of your credit. Sign in to your Navy Federal account to easily view your FICO score.

    Learn More about FICO® Score
View More Cardholder Resources

Credit Card Basics

View More Credit Card Basics


1As of 2/1/2019, rates range from 11.24% APR to 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 overseas transaction. Cash Advance APR is variable and up to 2% higher than purchase APR, but will not exceed 18%. Repayment terms are 2% of outstanding balance or $20, whichever is greater.

2Rewards 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, 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 re-loading 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.

3For all Navy Federal Credit Cards: As of 2/1/2019, rates range from 8.24% 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.

4FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.