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.
Make your wallet mobile with
Earn more rewards by shopping with your Navy Federal credit card at Member Mall.
Redeem your Navy Federal credit card rewards.
Visa Checkout makes paying
|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, gift cards, and travel-related certificates.
Rewards up to 1%
return on each dollar spent