Variable rate subject to change monthly. Rates are based on evaluation of credit history, so your rate may differ. Repayment terms of 2% of outstanding balance or $20, whichever is greater.
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Earn more rewards by shopping with your Navy Federal credit card at Member Mall.
Redeem your Navy Federal credit card rewards.
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|How nRewards® Secured Credit Card Works|
|Make a Deposit and Apply: Submit your application and make a deposit of at least $500 into a qualifying Navy Federal savings account; this deposit will be held for the duration of your nRewards account.|
|Manage Your Spending: Once approved, you will have access to a line of credit equal to your deposit. Use your card as you would any other, taking care to pay the monthly bill on or before the due date.|
|Earn Rewards, Build Credit: Every purchase you make is 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 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.|
Start redeeming at 1,000 points for merchandise and gift cards.
Rewards up to 1%
return on each net dollar spent
1See Credit Card Rates for details. Currently, rates range from 8.99% APR to 18% APR, are based on creditworthiness, and will vary with the market based on the 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. Foreign transaction fees: $0.80 of transaction amount if in U.S. dollars, 1% of transaction amount if must convert to U.S. dollars.
2Apple®, the Apple logo, iPhone®, and iSight® are trademarks of Apple, Inc., registered in the U.S. and other countries. Apple PayTM is a trademark of Apple, Inc.
3Program excludes Navy Federal Business and Home EquityLine® Visa Platinum credit cards and Navy Federal Debit Cards.
4Earn 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 purchase, loading, or re-loading of Navy Federal prepaid and gift cards (e.g., Navy Federal gift cards, Visa Buxx Cards or GO Prepaid Cards).