Navy Federal cashRewards Secured
Earn Rates
| Category | Rate | True cash-back value |
|---|---|---|
| Everything else | 1% | 1% |
True value converts point multipliers to dollars using MaxWorth point valuations. Issuer-portal-exclusive rates are excluded.
Other (7)
Credit Building
Designed to help establish, build, or rebuild credit history — payment activity is reported to the major credit bureaus (Experian, Equifax, TransUnion). Eligible for graduation review to an unsecured card after demonstrating responsible use.
Security Deposit Requirement
Requires a refundable security deposit of $200 to $5,000 held in a Navy Federal savings account to open the line of credit. The deposit equals your credit limit and is returned when you close the account in good standing or graduate to unsecured.
No Foreign Transaction Fees
No foreign transaction fees when making purchases outside the United States.
Zero Liability Protection
Zero Liability Protection so you are not responsible for unauthorized transactions reported promptly.
24/7 U.S.-based Member Service
24/7 U.S.-based member service — speak with a representative any time of day.
Rewards Never Expire
Cash rewards never expire as long as your account remains open and in good standing.
Free Credit Score Access
Free access to your FICO credit score through Navy Federal's MyMakingCents credit monitoring tools.
Stop tracking this in a spreadsheet.
The MaxWorth app tracks all 7 Navy Federal cashRewards Secured benefits automatically — redemption progress, reset dates and expiry alerts.