NFCU nRewards® Secured Credit Card

For People with
Bad Credit



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.

Card Quick Facts

Card Quick Facts

  • 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

For People with
Bad Credit



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Card Details



  • 1X point per dollar spent on all purchases
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 18.00% Variable
Intro Purchase APR -
Foreign Transaction Fee None
Chip Technology Chip-and-Signature
Minimum Credit Limit $200
Maximum Credit Limit -
Free Credit Score Yes
Penalty APR 18.00%
Late Fee Up to $20
Returned Payment Fee Up to $20
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR -
Balance Transfer Fee None
Cash Advances

Cash Advances

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

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • Free FICO® Credit Score

    View one of your FICO scores any time you’d like at no cost and without hurting your credit score. Based on Equifax credit data.

  • Member Mall

    Earn additional rewards by shopping through the Member Mall.

Mastercard Benefits

  • Mastercard Global Service

    Available when traveling in a foreign country, includes Lost/Stolen Card Reporting and Replacement, Emergency Cash Advances, and information on ATM locations.

  • Zero Liability

    You won’t be held responsible for unauthorized transactions made with your card. You’re covered if your card is ever lost, stolen or fraudulently used.

Mastercard Benefits

  • Mastercard ID Theft Protection

    Provides assistance in the event of identity theft, including contacting credit bureaus and issuing an ID Theft Affidavit.

  • Cell Phone Protection

    When you pay your cell phone bill with your card, you’ll be protected for the next calendar month so you can be reimbursed if your phone is stolen or damaged.

Mastercard Benefits

  • Purchase Assurance Coverage

    Provides coverage for eligible lost or stolen items within 90 days from the date of purchase.

  • Extended Warranty

    Your card extends the time period for U.S. manufacturer’s warranties by doubling the time period of the original manufacturer’s warranty, up to one additional year, on eligible warranties of three years or less.

  • Price Protection

    If a newly bought item is found being advertised for a lower price within 60 days of purchase, reimbursement may be awarded for the difference in price.

Visa Benefits

  • Auto Rental Collision Damage Waiver

    Must decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage is provided for theft and collision damage for most rental cars in the U.S. and abroad. In the U.S., coverage is secondary to your personal insurance.

Mastercard Benefits

  • Travel Assistance Services

    Call for help at any time for emergencies of various kinds, including legal or medical referrals.

  • MasterRental Coverage

    Must decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage is provided for theft and collision damage for most rental cars in the U.S. and abroad. In the U.S., coverage is secondary to your personal insurance.

  • Master RoadAssist Services

    Assistance with services such as towing, changing a flat, or boosting a battery in case of emergency. May save money with pre-negotiated fees.

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