cash Rewards Secured

The advertised credit profile is general guidance, not a score cutoff or an approval prediction. Navy Federal Credit Union makes every lending decision.

Annual fee and first-year pricing

No annual fee

Purchase APR

Rates Purchase & Balance Transfer Variable APR of 18.00% Terms & Conditions

Balance transfers and fees

cash Rewards Secured credit cards earn 1% cash back per dollar spent on eligible purchases. Eligible purchases include purchases of goods and services, minus returns and credits, and exclude fees, interest, balance transfers, gambling, convenience checks, cash advances, and cash-equivalent transactions (e.g., money orders, gift cards, prepaid cards, person-to-person money transfers). For more information, view the cash Rewards Secured Program Description . Purchase & Balance Transfer Variable APR of

Cash advances and fees

As of 10/28/2026, cash Rewards Secured card rate is 18.00% APR and will vary with the market based on the U.S. Prime Rate. ATM cash advance fees: None, if performed at a Navy Federal branch or ATM. Otherwise, $0.50 per domestic transaction or $1.00 per foreign transaction. No cash advance fees

Redemption options and restrictions

Earn when you spend. Continue to accrue rewards until you’re ready to redeem. No rotating spend categories No cap on the rewards you can earn No rewards expiration while the card is open For terms and conditions, see the cash Rewards Secured Card Program Description .

Membership, location and eligibility

Navy Federal Credit Union membership required.

Other conditions

This card is best for: Establishing Credit New Credit Card Users Rebuilding Credit Rewards: 1% cash back on all purchases Trustpilot Learn more about this card for the cash Rewards Secured

Recorded from Navy Federal Credit Union’s public information. Rates and fees change, so the issuer’s current disclosures are authoritative.