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
How It Works
Deposit at least $200 into your membership savings account (before submitting your application) to back your spending. Once 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. If you qualify, we’ll provide you with additional credit to allow for spending beyond your deposit.
- Then, at 6 months, we’ll review your account monthly to see if you’re eligible to have your hold removed and be upgraded to a cashRewards unsecured card.
Features & Benefits
- No rewards limit
- Points redeemed for cash, statement credit, gift cards and merchandise
- Cell phone protection
- Rental car coverage
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 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
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
1 As of 5/1/20, rates range from 18.00% 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 foreign transaction. ↵
2 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, 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. ↵
3 For all Navy Federal Credit Cards: As of 5/1/20, 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. ↵
4 FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. ↵