The Navy Federal nRewards Secured Credit Card rewards program offers one point per dollar in purchases with no caps. The Discover it Secured allows you to earn 2% cash back on gas and purchases at restaurants up to $1,000 per quarter, and 1% cash back on all other purchases (unlimited amount).

Sign-up Bonus:

The Navy Federal nRewards Secured Credit Card does not offer a sign-up bonus. With the Discover it Secured, your total cash back rewards are automatically matched dollar for dollar at the end of the first year for new cardholders.


The Navy Federal nRewards Secured Credit Card charges no balance transfer and foreign transaction fees and it includes free FICO credit score access and cellphone protection. Discover it Secured cardholders have access to benefits such as a free monthly FICO credit score, and it charges no foreign transaction fees and no fee for your first late payment.


Annual Fee


Rewards Rate


Bonus Offer


Intro APR



18.00%, Variable

Penalty APR

Up to 18.00%, Variable

Cash Advance APR

20.00%, Variable

Foreign Transaction Fee



Who Can Join Navy Federal

To become a member, you or one of your family or household members must have ties to the armed forces, DoD or National Guard.

Apply by Phone

Using the online application, you can apply for membership in about 10 minutes. You can even sign your children up for membership through our minor membership application. Give a call at 1-888-842-6328 or visit a branch to apply in person.


Online Banking

If you're connected to the internet, you're connected to Navy Federal. No matter where you are, our free, fast and secure 24-hour, worldwide online banking service lets you transfer funds, pay bills, order checks, view up to 36 months of statements and make payments. You can even apply for loans, open new accounts, enroll in direct deposit and more.

Mobile® App

Manage your accounts anytime, anywhere with our mobile app, an all-in-one personal finance tool for Apple®, Android™ and Kindle Fire™ devices.

Customer Service:

Mobile App

Manage your accounts anytime, anywhere with our mobile app, an all-in-one personal finance tool for Apple®, Android™ and Kindle Fire™ devices.

Phone Number

Routing Number: 256074974

Mobile Web

Easily access and manage your accounts on any mobile device through our secure mobile website.

Navy Federal Credit Union nRewards® Secured Credit Card

From very_poor To good ( Credit Recommended 300-689 )

Navy Federal Credit Union nRewards® Secured Credit Card

The Navy Federal Credit Union® nRewards® Secured Credit Card is a strong choice for members looking to build or repair credit. The keyword to note here is "members," because if you aren't a member of the Navy Federal Credit Union, you won't be eligible to apply for this card. To become a member of Navy Federal, you have to either be a member of the military, a past member or veteran of the military, an employee of the Department of Defense, or an immediate family member of any of those.

Read More


pros and cons

Qualify with limited/bad credit

No annual fee

No foreign transaction fee

Must be a Navy Federal member


Annual Fee


Purchase APR


Foreign Transaction Fee


Cash Back


Credit Score


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