Am I eligible?
To get this card, you must also:
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...
- Garrett Yarbrough, CreditCards.comThe 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.
- Robin Saks Frankel, ForbesThe 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...
- Jamie Johnson, Robin Saks Frankel, USA TodayIf 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...
- Robin Saks Frankel, NerdWalletIf 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.
- Brendan Dyer, BankrateThe 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.
Details
| 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 Maximum |
| Promotions | |
| Sign up bonus | No |
| Rewards | |
| 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 |
|
| Eligibility | |
| Minimum Security Deposit | $200 |
| Minimum Age | |
| Minimum Personal Income | |
| Temporary Residents | No |
| More | |
| Additional comments | - |
| Terms & Conditions | Official Terms & Conditions |
| Suggest a correction |
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