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Navy Federal nRewards® Secured Credit Card review

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Advertiser Disclosure

Annual Fee
Minimum Deposit
Interest Rate: Purchases
18% (Variable)
Balance Transfer
18% (Variable)

Informr score
The Navy Federal nRewards® Secured Credit Card currently has an Informr score of 8.8 out of 10. This score is based on our evaluation of 7 sources including reviews from users and the web's most trusted critics.

Am I eligible?

Navy Federal nRewards® Secured Credit Card is typically available to those with poor credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA
Yes Provide a minimum security deposit of $200.

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


The Navy Federal nRewards Secured card is a solid card option for card-seekers who want to improve a weak or damaged credit profile. While its cash-back rewards may not be the best even among secured cards, the perks like car rental insurance aren’t often found in the secured card market and make th...

- Robin Saks Frankel, Forbes

The Navy Federal nRewards Secured Card rolls up savory features like low fees, unlimited flat-rate rewards and credit line upgrade reviews into one secured card for NFCU accountholders.

- Garrett Yarbrough,
USA Today
USA Today

If you’re a current Navy Federal Credit Union member looking to build your credit, the nRewards Secured Card is a top-notch choice. The card comes with minimal fees, reports to all three credit bureaus and you could qualify to upgrade to an unsecured card after six months. The rewards make a great c...

- Jamie Johnson, Robin Saks Frankel, USA Today

If you don't mind joining the credit union and funding the security deposit, this card can be a smart and effective tool to help build up your credit profile.

- Robin Saks Frankel, NerdWallet

The nRewards Secured card can certainly be worth it for service members who are stationed overseas and want access to a line of credit. It’s a solid credit building tool that can fast track you to an unsecured credit card, while giving you a nice chance to earn rewards in the meantime.

- Brendan Dyer, Bankrate


Interest Rates
Regular APR Interest Rate 18% (Variable)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 18% (Variable)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 20% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee $0.00
Cash Advance Fee $0.00
Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $20.00


Sign up bonus No
All Purchases 1 point per $1 spent
Restaurants No
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty Yes
Purchase Protection Yes
Zero Liability Yes
No Foreign Transaction Fees Yes
Emergency Assistance No
Concierge Service Yes
Price Protection Yes
Fraud Protection Yes
Free Credit Scores Yes
Wireless Payments No
Virtual Cards No
Additional Benefits
  • Travel Assistance Services
  • Emergency Card Replacement
  • Emergency Cash Advance
  • Mastercard ID Theft Protection
Minimum Security Deposit $200
Minimum Age
Minimum Personal Income
Temporary Residents No
Additional comments -
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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