Navy Federal Credit Union · Visa or Mastercard

Navy Federal Credit Union cashRewards® Secured Credit Card

★★★★★ 4.5 Wafacard score
Issuer page Confirm current terms on the issuer website
Annual fee
$0
Rewards rate
1%
Intro offer
Intro APR terms may run for 12 months. Confirm eligible balances, purchases, and post-intro APR with the issuer.
Recommended credit
Limited/Building Credit
Fees and terms

Rates and fees can change by applicant profile and issuer updates. Confirm current terms on the issuer website before applying.

Annual fee
No annual fee
Purchase APR
APR range: 18%
Balance transfer APR
APR range: 18%
Cash advance APR
APR range: 18%
Promo APR length
12 months
Foreign transaction fee
Check issuer terms
Late payment fee
Up to $20.00
Grace period
25 days
Recommended credit
Limited/Building Credit
Terms last updated
6/22/2026
Key benefits
  • Intro APR or transfer-focused terms
  • No yearly card fee
Rewards breakdown

Wafacard summary: this credit-building card shows cash-back earning from 1% depending on the purchase type and issuer rules. Check the issuer page for eligible categories, caps, and current terms.

Intro offer: Intro APR terms may run for 12 months. Confirm eligible balances, purchases, and post-intro APR with the issuer.

Card details

Wafacard note: key fit signals include intro apr or transfer-focused terms, no yearly card fee. Availability, exclusions, and enrollment rules can vary by issuer terms.

Issuer
Navy Federal Credit Union
Network
Visa or Mastercard
Type
secured
Review status
Terms reviewed 6/30/2026

Is Navy Federal Credit Union cashRewards® Secured Credit Card worth it?

The Navy Federal Credit Union cashRewards® Secured Credit Card is a no-annual-fee secured card from Navy Federal Credit Union, so you can keep it long term without paying to hold it. It lists 1% on eligible spending, and the breakdown below shows how that earning applies across categories. New cardholders may also qualify for a welcome offer: Intro APR terms may run for 12 months. Confirm eligible balances, purchases, and post-intro APR with the issuer. It is generally aimed at applicants with limited/building credit credit, with a purchase APR around APR range: 18%. Confirm current terms on Navy Federal Credit Union's site before applying.

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