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  Navy Federal nRewards Secured Card
Navy Federal nRewards Secured Card Unaffiliated

Navy Federal nRewards Secured Card

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

Navy Federal nRewards Secured Card Review

This is a 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 review will provide you with with all the details you need 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 card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
  • No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
  • Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have relatively good approval odds.
Pros & Cons of Navy Federal nRewards Secured Card
The Good The Bad
  • No annual fee.
  • Considers applicants with fair credit.
  • No foreign transaction fee.
  • Navy Federal nRewards Secured Card reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.
Navy Federal nRewards Secured Card FAQ

Does Navy Federal nRewards Secured Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Navy Federal nRewards Secured Card benefits?

It provides the following benefits:

  • Reports to major credit bureaus

What are the relevant APRs for Navy Federal nRewards 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.

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 18% . 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 intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Navy Federal nRewards 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 Navy Federal nRewards Secured Card?

The following fees apply:

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

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

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

This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.

What is the support contact email for Navy Federal nRewards Secured Card?

The support contact email for Navy Federal nRewards Secured Card is info@navyfederal.org.

What is the Navy Federal nRewards Secured Card login page?

You can access the Navy Federal nRewards Secured Card login page here.

How do people rate the customer service and user experience of Navy Federal nRewards Secured Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

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

Yes, Navy Federal nRewards Secured Card reports your account activity to the following credit reporting agencies:

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 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 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...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Cash Advance Fee Minimum $0
Foreign Currency Transaction Fee 0%
No Annual Fee
No Foreign Transaction Fee
Annual Fee $0
Minimum Interest Charge $0.00
No Interest Grace Period for Late Payment 25 days
Minimum Cash Advance Fee ($) $0 - $1
Returned Payment Fee Up to $20
Late Fee Amount Up to $20
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 500 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Fraud Liability
  • Cellular Telephone Protection
Rewards Categories
  • Points on
Cash Advance APR 18%
Balance Computation average daily balance (including new transactions)
Penalty APR 18%
Purchase APR 18%
Balance Transfer APR 18%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Rewards
Card Network
  • Mastercard
  • Visa

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