nRewards® Secured Credit Card

Earn Rewards While
Building Credit

Purchase & Balance Transfer Variable
APR Between

10.74% - 18.0%

Credit Card Terms & Conditions

Rates are based on creditworthiness and will vary with the market based on the U.S. 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 points for gift cards, merchandise and cash back. Use Pay with Points to apply your earned points to past purchases and receive a statement credit.


  • Rewards Expiration: 4 years from month earned, as long as account is open
  • 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


ATM 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

1Rewards are earned 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, the following transactions: cash advances, convenience checks, balance transfers, or fees of any kind, including finance charges, late fees, returned check fees, ATM cash advance fees, and annual fees, if any. Navy Federal cash equivalent transactions, such as the purchase, loading or re-loading of Navy Federal gift and prepaid cards (e.g., Navy Federal gift cards, Visa Buxx Cards, GO Prepaid Cards), are also not eligible purchase transactions and do not earn rewards.

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 are trademarks of BBY Solutions, Inc. Macy's,, and the Macy's logo are all trademarks of Macy's. The Home Depot is a registered trademark of Homer TLC, Inc.

Navy Federal Rewards

Get rewarded by earning one point per dollar you spend. Just make a purchase, and your points will be automatically added to your account. You can redeem your points for merchandise or gift cards. When you see how quickly the rewards add up, you'll understand why so many of our members shop with a Navy Federal rewards card!

Learn more about Navy Federal Rewards.

Collision Damage Waiver

With your Navy Federal Visa® or Mastercard®, you automatically have Collision Damage Waiver (CDW) coverage when you rent a car for 15 days or less and pay for the rental with your covered rewards card. The CDW coverage is secondary to any other applicable insurance or coverage available to you.

Coverage includes physical damage and theft of the rental vehicle, reasonable towing charges, valid loss-of-use charges imposed by the auto rental company, as well as your deductible and any other eligible amounts not covered by other insurance. Only you, as the primary renter of the vehicle, and any additional drivers permitted by the auto rental agreement are covered.

For terms and conditions, see the nRewards Program Description Guide.

Auto Rental Collision Damage Waiver Program

Cell Phone Insurance Coverage
Product Reviews

Account Management

How can I manage my credit card account?

Sign in to Online Banking or visit our secure mobile website on any mobile device to view and manage your account.

Can I add an authorized user to my account?

Yes, you can add up to four authorized users. An authorized user is someone who can make purchases with your credit card but who isn’t an account owner. An authorized user is not financially responsible for the account, but is reported to the credit bureaus as being authorized to use your account.

What information do I need to add an authorized user to my account?

You’ll need to provide the authorized user’s Social Security Number, date of birth, their address and the name that should be printed on the card.

How do I add an authorized user to my account?

To get started, please send us a secure message through Online Banking or call us at 1-888-842-6328.

Credit Line Increases

How can I request a credit line increase?

Sign in to Online Banking to submit your line increase request. If you prefer, you may send us a secure message through Online Banking or call us at 1-888-842-6328.

What information do I need to request a credit line increase?

You’ll need:

  • employment information
  • income details
  • housing expenses

Will you pull my credit report?

Yes. When you submit a credit line increase application, you'll be asked to give Navy Federal permission to obtain a consumer credit report so we can evaluate your creditworthiness.

Why was my recent credit line increase request denied?

The most common reasons for denial are listed below. However, for specific reasons please refer to the letter we sent you informing you of the denial. If you have any questions regarding the notice you received, please send us a secure message through Online Banking or call us at 1-888-842-6328.

If your letter says…Explanation
Your Navy Federal account is too newWe like to see at least three months of on-time payments on an existing Navy Federal Credit Card account before approving an increase to its credit line.
There has recently been a change to the credit line on this accountWe generally grant credit line increases on an existing credit card account no more than once every six months.
Delinquent past or present credit obligations with othersYour credit report shows you’ve paid one or more creditors late.
Income insufficient for amount of credit requestedBased on information provided in your application, your current credit line is appropriate given your stated income.
Excessive credit obligationsYour credit report shows high utilization of revolving lines.
Excessive credit obligations in relation to incomeYour total monthly payment obligations exceed our debt-to-income standards.

Security & Privacy

How do I request a new or replacement card and PIN?

To get started on this, please send us a secure message through Online Banking or call us at 1-888-842-6328.

How can I report a lost or stolen credit card?

If your card is lost or stolen, or you suspect you’re a victim of fraud or identity theft, please call us immediately at 1-888-842-6328 or send us a secure message through Online Banking. We’ll put an immediate hold on your account.

What’s a chip card?

Chip-enabled cards have an embedded chip on the front, which securely transfers your account data to merchants through a chip-enabled card reader. Both the chip and the transaction are heavily encrypted. This makes it more difficult for your account to be compromised.

What are my Digital Wallet options?

We offer Apple Pay, Android Pay and Samsung Pay for use in stores and Visa Checkout® and Masterpass for online purchases. Digital Wallets provide a secure alternative to entering your Navy Federal card information. At a register, simply wave your phone at the terminal to pay. Online, you’ll quickly sign in to avoid typing your card and contact information. Enrolling is easy.

Disputes & Fraud Claims

What's the difference between a billing dispute and a fraud claim?

A billing dispute is when you tell us that you believe there's an error regarding a transaction or calculation, or when you tell us you have a concern as to the property or goods purchased with your credit card. For example, you believe you’ve been overcharged or you haven’t received the product or service for which you paid.

A fraud claim is when you tell us you did not authorize a transaction appearing on your account. For example, you believe you were charged for something you didn't authorize.

How do I file a billing dispute?

Sign in to Online Banking to complete our dispute form or call 1-888-842-6328.

How do I report fraud on my account?

To prevent further fraudulent charges, please call us immediately at 1-888-842-6328 or send us a secure message through Online Banking so we can put a hold on your account and discuss further details regarding your case. You may also report fraud by signing in to Online Banking, selecting “Account Services” and then selecting “Report Fraud” in the “Online Account Management” section.

How long will it take to resolve my billing dispute or fraud claim?

The length of time varies. Resolution will occur within two complete billing cycles (but in no event later than 90 days) from the date you notify us to complete our investigation and report the results back to you.

Balance Transfers

How do I transfer a balance from another credit card to my Navy Federal Credit Card?

To get started, visit the "Transfers" tab along the top menu in Online Banking or call us at 1-888-842-6328.

What information do I need to submit a balance transfer?

You’ll need:

  • the name and address of the other financial institution (Navy Federal accounts are excluded)
  • your account number at that financial institution
  • the amount you’d like to transfer

When will the balance transfer post to my account?

For new accounts, it typically takes between 10 and 14 days after your account is opened for the balance transfer to post to your account. Continue to make your minimum payments in the interim.

For existing accounts, it typically takes between 3 and 5 days.

Rates and Payments

What’s the U.S. Prime Rate?

It’s a benchmark interest rate used by financial institutions to set rates on consumer loan products (such as credit cards). The U.S. Prime Rate is based upon, and generally changes with, the Federal Reserve’s Fed Funds Rate. You can find the current U.S. Prime Rate in the money rates column of The Wall Street Journal.

What’s APR?

APR (annual percentage rate) is the rate of interest you'll pay on your credit card annually.

What’s the APR for my credit card?

You can find the APR on your periodic credit card statements for that billing period or via Mobile or Online Banking.

How is the variable APR for my credit card determined?

Your Standard variable APR is determined and adjusted monthly on the first business day of the month by adding a Margin to the U.S. Prime Rate published in The Wall Street Journal on the first day of the previous month. Your Margin is a percentage amount that we determine based on an evaluation of your credit history. Your cash advance rate is 2% higher than your Standard APR, not to exceed the amount specified in your Account Agreement. Currently, APRs for federal credit union loans are capped at 18%.

For example: If the U.S. Prime Rate is 4% and your Margin is 5%, then your variable APR for purchases, balance transfers and convenience checks will be 9% APR (4% Prime Rate + 5% Margin = 9% APR). Your APR for cash advances will be 11% APR (4% U.S. Prime Rate + 5% Margin + 2% cash advance added rate = 11% APR).

When does interest apply?

Interest applies only to your credit card’s outstanding balance at the time your account cycles. Your payment due date is 25 days after the close of each billing cycle. If you pay your entire balance by the due date each month, you aren’t charged interest on your purchases. For cash advance, balance transfer, and convenience check transactions, interest is assessed from the date the transactions post to your account.


Will I be charged any additional fees for using my credit card overseas?

No. We don’t charge foreign transaction fees on any of our credit cards; however, we do charge fees for obtaining cash advances using non-Navy Federal ATMs in the U.S. and in foreign locations.

What should I do before traveling to safeguard my credit card account?

You can set up a Travel Notification through our mobile app* or send us a secure message through Online Banking. Be sure to let us know the dates you’ll be traveling, where you’re going and any layovers.

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