APR as low as 8.99%1

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.

Features and Benefits

Make your wallet mobile with
Apple Pay™.

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
online easy.

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.

Rewards: Earn one point per dollar spent

Point Redemption

Start redeeming at 1,000 points for merchandise, gift cards, and travel-related certificates.

Rewards Return

Rewards up to 1%
return on each dollar spent

Sample Rewards:

  • 2,000 points for $10 gift card from Starbucks® or Applebee's®
  • 3,500 points for $25 gift card from Best Buy® or iTunes® Music Store
  • 7,500 points for $75 Gap® gift card or Navy Federal Visa® Awards Card

Point Limits


Point Expiration

4 years

1See Credit Card Rates for details. © 2012 Starbucks and the Starbucks logo are trademarks or registered trademarks of Starbucks Corporation. Applebee's is a registered trademark of Applebee's International, Inc. Best Buy, the Best Buy logo, tag design, and BestBuy.com are trademarks of BBY Solutions, Inc. Apple, the Apple logo, and iTunes are trademarks of Apple, Inc., registered in the U.S. and other countries. iTunes is for legal or rightholder-authorized copying only. Don't steal music.
2Program excludes Navy Federal Business and Home EquityLine® Visa Platinum credit cards and Visa Debit Cards.
Apple®, 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.