The Ultimate Guide to Credit Cards
Thursday, June 8, 2023

nRewards® Secured Credit Card Review

"This card is a great secured option for those affiliated with the military who are new to credit or need to rebuild a low credit score. And, it provides rewards, which is an uncommon perk from a credit-building card."
- Toby Sembower,
Advertiser Disclosure
nRewards® Secured Credit Card Review

at the issuer'ssecure website





  • Earn 1X points per dollar spent with no limit on the amount of rewards you can earn; rewards expire after 4 years.
  • Deposit at least $200 into your membership savings account (before submitting your application) to back your spending. If approved, we’ll hold your deposit in your account as your card’s credit limit. As you use your card, you’ll earn rewards just like any other credit card, while also earning dividends on your deposit—just like any other savings account.
  • No annual fees, no balance transfer fees, no foreign transaction fees, and no cash advance fees.
  • After just 3 months, you could be eligible for an upgrade. If you qualify, we’ll provide you with additional credit to allow for spending beyond your deposit. Then, at 6 months, we’ll review your account monthly to see if you’re eligible to have your hold removed and be upgraded to a cashRewards unsecured card.
  • Rental car coverage
  • Must be a member of Navy Federal Credit Union to qualify
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed

Interest Rate

Annual Fee

Credit Needed

Our Ratings By Category

Bad Credit
(Ranked #24 out of 33)
Best Overall
(Ranked #24 out of 39)
No/Limited Credit
(Ranked #20 out of 33)
Points & Gifts
(Ranked #34 out of 39)
(Ranked #10 out of 20)

Advertiser Disclosure is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free, we receive compensation for referrals for many of the offers listed on the site. Along with key review factors, this compensation may impact how and where products appear across (including, for example, the order in which they appear). does not include the entire universe of available offers. Editorial opinions expressed on the site are strictly our own and are not provided, endorsed, or approved by advertisers.

Alternatives to nRewards® Secured Credit Card

Be sure to visit the official website for nRewards® Secured Credit Card to learn complete details about its features and terms. If you’re not quite sure if nRewards® Secured Credit Card is right for you, we encourage you to check out these guides to popular alternatives:

Before applying for the nRewards® Secured Credit Card offer or any other offer, be sure you understand all fees, interest rates, and terms so you can make the best decision for your own financial goals.