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cashRewards Secured

Navy Federal Credit Union

Secured cardTop-25 issuerNationalVariable · PrimeNo credit scoreCredit score 619 or lessCredit score 620–719Credit score 720+
Issuer site ↗
Purchase APR
18%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
None
Grace period
25 days

Purchase APR by credit tier

Median rate the issuer reported for each tier

The purchase rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered18%
Median18%
Highest offered18%

Cash advance APR

The cash advance rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered18%
Median18%
Highest offered18%

Every fee on this card

Annual feeNone
Balance transfer feeNone
Cash advance feeNone
Foreign transaction feeNone
Purchase transaction feeNone
Late fee$20
Repeat late fee (6 mo)$20
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Non Navy Federal Domestic ATM Fee$0.50
Non Navy Federal International ATM Fee$1

Rewards, benefits and features

Rewards
  • Cashback rewards
Services
  • Automobile rental insurance
  • Other
Features
  • Contactless Payments
  • Chip card
  • Fee-free foreign transactions
  • Mobile wallet provisioning (for example, Apple Pay)

Who can get this card

AvailabilityNational
Membership requirementsYes
RequirementOther. Please Describe:
Phone(888) 842-6328
Balance transfer

This card does not offer a balance transfer rate.

Cost to carry a balance
Interest for a year at 18.00%$540
Annual / periodic fees$0
Total yearly cost$540

Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 25-day grace period avoids the interest entirely.

Cardholder agreements

1 document filed by Navy Federal Credit Union in the 2026 Q1 archive.

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