Navy Federal Credit Union
Navy Federal Credit Union

nRewards® Secured Credit Card

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
  • Earn rewards while building or repairing credit
  • No annual fee1
  • Earn one point per $1 spent
  • Start redeeming at 1,000
  • Now featuring chip technology

Make your wallet mobile with
Apple Pay™.2

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 net dollar spent.4

Point Redemption

Start redeeming at 1,000 points for merchandise and gift cards.

Rewards Return

Rewards up to 1%
return on each net 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. 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).

Navy Federal Rewards

Get rewarded by earning one point for every 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.

MasterCard Standard MasterRental® Insurance Coverage

Auto Rental Collision Damage Waiver Program

Product Reviews

Already have the card? Sign in to view your transactions and redeem points. Don't have Account Access? Sign up now.
  • Mortgages5/5 ARM as low as+
  • Auto Loansas low as+
  • Certificatesas high as
  • Checkingas high as
  • Credit Cardsas low as++
  • More Rates