A secured card with an 18% APR and cash back, for members building credit.
Rates, fees and offers
- Regular APR
- 18% variable
- Annual fee
- $0
- Promo offers
- None currently advertised
- Balance transfer fee
- None
- Rewards
- Cash back on every purchase while you build credit; your deposit sets the limit. Membership required.
Checked September 26, 2026. Offers and rates change often, and your APR depends on your credit. See the issuer’s current terms ↗
Notes
Pay on time and keep the balance low. Many secured cards review you for an upgrade and a deposit refund after several months. Federal credit union rates are capped at 18%, well below most bank cards, which makes it a better place to carry a balance if you must.
Paying and contacting Navy Federal Credit Union
- Pay by mail
-
The issuer doesn’t publish one address for everyone. Use the payment address printed on your statement.
See all Navy Federal Credit Union cards → · Search all cards
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