Navigant Credit Union Max Cash Secured Card
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| Purchase APR (Variable APR) |
29.74% (Verified 08/04/2023) |
| Balance Transfer APR (Variable APR) |
29.74% (Verified 08/04/2023) |
| Credit Score Range | 670 - 850 |
| Annual Fee | $0 |
Navigant Credit Union Max Cash Secured Card Review
This is a secured credit card cashback card issued by Navigant Credit Union. If you're wondering whether Navigant Credit Union Secured Card is the right card for you, read on.
Key Takeaways
- High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 29.74%
- No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
- 3% Balance transfer fee. Navigant Credit Union Max Cash Secured Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
- Secured card. This card requires a refundable deposit before you qualify for a line of credit. These cards are often used to improve the credit of people with poor credit or little credit history.
- Good or better credit required. You will have low approval odds if your credit score is below 670.
Pros & Cons of Navigant Credit Union Secured Card
| The Good | The Bad |
|---|---|
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Navigant Credit Union Secured Card FAQ
Does Navigant Credit Union Secured Card have a cash back or rewards program?
No, it does not offer a rewards program. This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
What are the Navigant Credit Union Secured Card benefits?
It provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Navigant Credit Union Secured Card?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.Navigant Credit Union Max Cash Secured Card has a variable purchase APR of 29.74%. The card has a variable balance transfer APR of 29.74% . It also has a variable cash advance APR of 29.99% .
Does Navigant Credit Union Secured Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Navigant Credit Union Secured Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Navigant Credit Union Secured Card?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Overlimit Fee | $ |
| Initial Program Fee | $ |
| Foreign Transaction Fee | 3% |
| Returned Payment Fee | Starting at $ up to $41 |
| Late Payment Fee | Starting at up to $41 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
Does Navigant Credit Union Secured Card have a foreign transaction fee?
Navigant Credit Union Secured Card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for Navigant Credit Union Secured Card?
The Navigant Credit Union Secured Card customer service number is (401) 233-4700.
What is the support contact email for Navigant Credit Union Secured Card?
The support contact email for Navigant Credit Union Secured Card is info@navigantcu.org.
What is the Navigant Credit Union Secured Card login page?
You can access the Navigant Credit Union Secured Card login page here.
How do people rate the customer service and user experience of Navigant Credit Union Secured Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Navigant Credit Union Max Cash Secured Card report your account activity to credit bureaus?
Yes, Navigant Credit Union Max Cash Secured Card reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.
How to apply for Navigant Credit Union Secured Card
- Visit the Navigant Credit Union Secured Card website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Contact
- Headquarters
-
1005 Douglas Pike
Smithfield, RI 02917 - (401) 233-4700
- Visit Site
- Email Support
Other Services by Navigant Credit Union
Other Credit Cards by Navigant Credit Union
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Cash Advance Fee Minimum | $10 |
| Cash Advance Fee (%) | 5% |
| Minimum Cash Advance Fee ($) | $10 |
| Foreign Currency Transaction Fee | 3% |
| No Annual Fee | |
| Annual Fee | $0 |
| Minimum Interest Charge | $1 |
| No Interest Grace Period for Late Payment | 24 days |
| Returned Payment Fee | Up to $41 |
| Late Fee Amount | Up to $41 |
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