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...
New Credit Card Users
Rates, Fees & Rewards
- 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.
Features & Benefits
Here's how it works. Deposit at least $500 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. We’ll review your account monthly starting at six months, to see if you are eligible to have your deposit returned by removing the hold. The review will be based on your general credit history including your Navy Federal account. If you decide to close your account, your deposit will be returned, provided the remaining balance is paid.
- No rewards limit
- Rewards expire four years from the month earned
- Points redeemed for cash, statement credit, gift cards and merchandise
- Cell phone protection
Included With All Navy Federal Credit Cards
Get the most out of your credit card. Redeem your rewards now.Learn More about Redeem Rewards
Use your credit card to shop our online Member Mall. You’ll get higher rewards just for purchasing through Member Mall, free shipping from certain retailers, exclusive offers and other perks.Learn More about Member Mall®
Stay on top of your credit. Sign in to your Navy Federal account to easily view your FICO score.Learn More about FICO® Score
Credit Card Basics
Credit Card Application Process
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 Credit Card Application Process
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
Visit MakingCents to learn what affects your credit score and how you can build a strong credit history.Learn More about Understanding Credit
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 Balance Transfers
1Currently, rates range from 10.74% 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, ATM cash advance fees, and annual fees, if any. 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: Currently, rates range from 7.74% 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.↵
4FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.↵