Purchase & Balance Transfer Variable
8.99% - 18.0%
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
- Rewards Limit: None
- Start Redeeming: 1,000 points
- 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
Apply and Make a Deposit: 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 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: 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 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.
0.80% of the transaction amount if in U.S. 1% of the transaction amount if must convert to U.S. dollars.
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.