Who it's for
Military members building credit who want rewards
Navy Federal nRewards Secured Credit Card
Secured card with rewards from Navy Federal.
Last checked on September 1, 2026. We may earn a commission when you click through.
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✓ Rewards on purchases
✓ No annual fee
✓ Very low APR
Navy Federal nRewards Secured Credit Card
Visa
Our Verdict Recommended
Rare secured card that offers rewards. Low APR plus no annual fee makes it one of the best secured cards available.
What it really costs
| Annual fee | No annual fee |
|---|---|
| APR Range | 15.65% – 18% |
| Minimum credit score | 300 |
You'll be redirected to navyfederal.org
The good and the not so good
- Rewards on purchases
- No annual fee
- Very low APR
- No balance transfer fee
- Navy Federal membership required
- Military-connected only
You'll be redirected to navyfederal.org
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