Navy Federal cashRewards Secured
Issued by Navy Federal Credit Union
Rates verified July 2026
Welcome Bonus
No welcome bonus
Rewards Rate
1x points on all purchases
Annual Fee
No annual fee
Recommended Credit Score
no credit history / rebuilding
You'll be taken to the issuer's secure application
Rewards Program
1x points on all purchases
Welcome Offer
No welcome bonus
Annual Fee
No annual fee
APR
Variable APR based on creditworthiness
Foreign Transaction Fee
None
Recommended For
Everyday spending
Why We Recommend This Card
No annual fee — keep more of what you earn
Collision Damage Waiver
Collision Damage Waiver
With your Navy Federal Visa or Mastercard, you automatically have Collision Damage Waiver (CDW) coverage when you rent a car for 15 days or less and pay for the rental with your covered rewards card. The CDW coverage is secondary to any other applicable insurance or coverage available to you.
Direct to the Issuer
The Apply button takes you to Navy Federal Credit Union's own application
Verify Current Terms
Confirm rates, fees, and the welcome offer on the issuer's page before applying
No Data Shared
We never see or handle your application information