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  Navy Federal nRewards Secured Card

Navy Federal nRewards Secured Card

in Personal Credit Cards from Navy Federal Credit Union

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Navy Federal nRewards Secured Card

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in Personal Credit Cards from Navy Federal Credit Union

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Highlights
Highlights
Balance Transfer APR  (Variable APR) 18%
Credit Score Range 500 - 850
Annual Fee $0
Purchase APR  (Variable APR) 18%

Navy Federal nRewards Secured Card Review

Navy Federal nRewards Secured Card is a rewards credit card issued by Navy Federal Credit Union. If you're wondering whether Navy Federal nRewards Secured Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key takeaways:

  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 18%
  • No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
  • $0 foreign transaction fee. This card does not charge foreign transaction fees, which makes a great credit card to carry with you when traveling abroad.
  • Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still qualify.

Navy Federal nRewards Secured Card Pros and Cons:

The Good The Bad
  • No annual fee.
  • Offers auto rental collision damage waiver.
  • Considers applicants with fair or poor credit.
  • No foreign transaction fee.
  • Cardholders can earn rewards on every purchase.
  • Earn rewards on every purchase.
  • Navy Federal nRewards Secured Card reports to multiple credit bureaus.
  • Cardholders can earn rewards on their purchases.
  • Higher than average purchase APRs.
  • Does not offer a signup bonus.

Is there a Navy Federal nRewards Secured Card cash back or rewards program?

Navy Federal nRewards Secured Card offers a rewards program to its customers.

Navy Federal nRewards Secured Card Rewards
Rewards rate (all purchases) 1%
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) N/A

Does Navy Federal nRewards Secured Card have a signup bonus?

Navy Federal nRewards Secured Card doesn't offer a cash signup bonus.

Does Navy Federal nRewards Secured Card offer an annual loyalty bonus?

Navy Federal nRewards Secured Card doesn't offer a cash loyalty bonus.

What are the Navy Federal nRewards Secured Card benefits?

Navy Federal nRewards Secured Card provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Zero fraud liability
  • Cellular Telephone Protection
  • Reports to major credit bureaus

What are the relevant APRs for Navy Federal nRewards Secured Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Navy Federal nRewards Secured Card has higher than average purchase APRs.

Navy Federal nRewards Secured Card has a variable purchase APR of 18%. The card has a variable balance transfer APR of 18% . It also has a variable cash advance APR of 20% . Note that late payments are subject to an APR of 18% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Does Navy Federal nRewards Secured Card have an introductory APR offer on balance transfers?

No, Navy Federal nRewards Secured Card does not come with an introductory APR offer for balance transfers.

Does Navy Federal nRewards Secured Card have an introductory APR offer on new purchases?

Navy Federal nRewards Secured Card does not offer an introductory rate on new purchases.
Navy Federal nRewards Secured Card Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the fees for Navy Federal nRewards Secured Card?

The following fees apply to Navy Federal nRewards Secured Card:

Navy Federal nRewards Secured Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 0%
Returned Payment Fee up to $20
Late Payment Fee up to $20

Does Navy Federal nRewards Secured Card have a foreign transaction fee?

Navy Federal nRewards Secured Card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

Does Navy Federal nRewards Secured Card report your account activity to credit bureaus?

Navy Federal nRewards 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 can help improve your credit score.

How to apply for Navy Federal nRewards Secured Card

  • Visit the Navy Federal nRewards 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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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.

SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • 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
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Every Purchase (Points) 1X points per dollar spent
Cash Advance Fee Minimum $0
Foreign Currency Transaction Fee 0%
No Foreign Transaction Fee  
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Minimum Cash Advance Fee ($) $0 - $1
Returned Payment Fee Up to $20
Late Fee Amount Up to $20
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 500 - 850
Card Type Rewards
Card Network
  • Mastercard
  • Visa
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Fraud Liability  
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Cellular Telephone Protection
  • Fraud Liability
Rewards Categories Every Purchase
Rewards Type Points
Cash Advance APR (Variable APR) 20%
Balance Computation average daily balance (including new transactions)
Penalty APR (Variable APR) 18%
Purchase APR (Variable APR) 18%
Balance Transfer APR (Variable APR) 18%
Balance Transfer Fee % 0%

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