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NFCU nRewards® Secured Credit Card

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Our rating
Credit range: Bad
Annual Fee: $0
Regular APR: 18.00% Variable

NFCU nRewards® Secured Credit Card

Our rating
Bad Credit range
$0 Annual Fee
Apply Now

Highlights & Features


  • 1X point per dollar spent on all purchases

Balance Transfers

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

Intro Balance Transfer APR None
Regular Balance Transfer APR None
Balance Transfer Fee None


Penalty APR 18.00%
Late Fee Up to $20
Returned Payment Fee Up to $20
Additional Cards Annual Fee None
Foreign Transaction Fee None

Cash Advances

Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

  • Cash Advance APR: 2% above variable APR
  • Cash Advance Fee: None at an NFCU branch or ATM; up to $1 otherwise

Navy Federal Credit Union

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-888-842-6328 or

Try a different phone number
NFCU nRewards® Secured Credit Card


  • Starting at six months, NFCU will review your account and credit monthly to see if you qualify for an upgrade to the NFCU cashRewards Credit Card
  • Choose either Visa or Mastercard and receive respectable benefits
  • Cell phone protection
  • Access to one of your FICO scores
  • No balance transfer fees
  • No cash advance fees at eligible locations
  • No foreign transaction fees
  • No annual fee

This card is issued by the Navy Federal Credit Union, and is only available to those who have participated in the military, some other federal programs, or their families. Click here for a full explanation of the eligibility requirements. You’ll need to be a member of the Navy Federal Credit Union to get this card.

A minimum security deposit of $200 is required upon account approval.

When you apply for this card, you’ll have the option to choose Visa or Mastercard. Visa benefits only include an Auto Rental Collision Damage Waiver and some shopping and travel discounts, whereas Mastercard benefits include its version of rental insurance, as well as some basic shopping and travel protections. Both versions feature cell phone protection and a zero liability policy.

This is a good choice for a secured credit card if you can get it, because it offers rewards, a rare find among these cards: 1X point per dollar spent on all purchases, and access to the NFCU Member Mall as well.

This card comes with no annual fee, no foreign transaction fees, and no balance transfer fees.