Navy Federal cash Rewards Secured
By Alex Compton · Last verified
A secured card that earns rewards and graduates you in months, not years.
Welcome Bonus
None
No welcome offer; card now sold as cash Rewards Secured (old nRewards Secured URL redirects)
Spend Requirement
None
Annual Fee
$0
No FTF
Credit Score
No
credit history required
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
No numeric welcome bonus recorded
This product has no points- or cash-denominated offer to plot. Dated no-offer observations, non-points benefits, corrections, and primary-source links remain preserved in the table below.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-10-12 | $0 | No recorded spend | Terms reconfirmedNo welcome offer; card now sold as cash Rewards Secured (old nRewards Secured URL redirects) | Navy Federal cash Rewards Secured product page → |
| 2026-06 | $0 | No recorded spend | Terms reconfirmedNo welcome offer | Archive record · no attached snapshot |
| 2022-01 | $0 | No recorded spend | Earliest recordNo welcome offer | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- changed
Renamed cash Rewards Secured (old URL redirects): 1% cash back, $200-$5,000 deposit, 3-month CLI and 6-month upgrade reviews, 18% APR, no fees
Fields: name, currency, applyUrl, benefits
Navy Federal cash Rewards Secured product page →
Source checked 2026-10-12 · spot an outdated offer? Report a correction above.
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Earning Rates
- 1xAll purchases (1% cash back)
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Earns unlimited 1% cash back, most secured cards earn nothing
- ✦Credit line increase review at 3 months, unsecured upgrade review monthly from 6 months
- ✦$200 to $5,000 deposit, returned when you upgrade
- ✦No annual fee and no foreign transaction fees
- ✦18% variable APR, low for a secured card
Why it earns its spot
- +Among the fastest graduation paths of any secured card
- +Rewards plus no fees while you build credit
- +Deposit comes back automatically at upgrade
Where it costs you
- −Navy Federal membership required
- −1% flat earn is modest
- −Graduation needs a clean on-time payment record
The Compound Verdict
If you qualify for Navy Federal and need to build or rebuild credit, stop looking. Renamed cash Rewards Secured, it earns 1% cash back, charges no annual fee, reviews you for a credit line increase at three months and for an unsecured upgrade from six months. That combination simply does not exist at the big banks.
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