Purchase & Balance Transfer Variable
APR Between

9.74% - 18.0%

Credit Card Terms & Conditions

Rates are based on creditworthiness and will vary with the market based on the Prime Rate.

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.


1 point per net dollar spent1

Redeem rewards for gift cards or merchandise.


  • Rewards Expiration: 4 years from
    date earned
  • Rewards Limit: None
  • Start Redeeming: 1,000 points
Sample Rewards:1
  • 3,500 points for $25 gift card from Applebee's® or Outback Steakhouse®
  • 5,000 points for $50 gift card from Best Buy® or Macy's®
  • 7,500 points for $75 Navy Federal Visa® Awards Card or The Home Depot® gift card
How nRewards Secured Works

Make a Deposit and Apply: Make a deposit of at least $500 into a qualifying Navy Federal savings account before submitting your application; this deposit will be held for the duration of your nRewards Secured account.

Manage Your Spending: Once approved, you'll be issued your card with a line of credit equal to your deposit. Your card looks like a normal credit card. Use it as you would any other and take care to pay the monthly bill on or before the due date.

Earn Rewards, Build Credit: Net purchases are eligible for rewards points, and every purchase you pay off helps build your credit. All account activity is reported to the major credit bureaus.

Let the Deposit Cover You: When closing your nRewards Secured account, your initial deposit will be returned, provided the account is in good standing and the full balance paid. If you're in default, the deposit will be used to cover those debts.




Balance Transfer


Foreign Transaction


Cash Advance

None at NFCU Branch or ATM. $0.50 domestic or
$1.00 foreign at non-NFCU ATMs.


Earn more rewards by shopping with your Navy Federal Credit Card at Member Mall.


Redeem your Navy Federal Credit Card rewards.


Simplify how you shop both
in-store and online.


Shop with your Navy Federal Credit Card at participating merchants. Get discounts.
It's that easy.


Learn more about your nRewards card

Learn More

1Earn rewards 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, Navy Federal cash equivalent transactions, such as the purchases, loading or re-loading of Navy Federal prepaid and gift cards (e.g., Navy Federal gift cards, Visa Buxx Cards, GO Prepaid Cards).

2Program excludes Navy Federal Business and Home Equity Line Visa Platinum credit cards and Navy Federal Debit Cards.

Applebee's is a registered trademark of Applebee's International, Inc. Outback Steakhouse is a service mark of Bloomin' Brands, Inc. Best Buy, The Best Buy logo tag design, and BestBuy.com are trademarks of BBY Solutions, Inc. Macy's, macys.com, and the Macy's logo are all trademarks of Macy's. The Home Depot is a registered trademark of Homer TLC, Inc.