MastercardNavy Federal nRewards Secured
A secured card that earns rewards and graduates you in months, not years.
Welcome Bonus
None
No welcome offer
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.
Last verified 2026-06-10 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 1xAll purchases
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Earns 1x points, most secured cards earn nothing
- ✦Account reviewed for unsecured upgrade starting at 6 months
- ✦$200 minimum deposit, refunded at graduation
- ✦No annual fee and no foreign transaction fees
- ✦Low APR compared with mainstream secured cards
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
- −1x 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. It earns rewards, charges no fees, and reviews you for an unsecured upgrade after six months. That combination simply does not exist at the big banks.
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