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Account Will Be Reviewed for Potential Upgrade

After 3 months of having your card and using it responsibly, 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 automatically review your account to see if you’re eligible to have your hold removed, and to be upgraded to a cashRewards credit card.

We’ll remove the hold on your deposit automatically once your account is upgraded to an unsecured card.

The review will be based on your general credit history, including your Navy Federal account. If you decide to close your account, your deposit will be returned, provided the remaining balance is paid.

No Rewards Limit

Spend more, earn more. Continue to accrue more until you’re ready to redeem.

For terms and conditions, see the nRewards Card Program Description.

Redeem points for cash, gift cards and merchandise

Interested in a gift card? Or prefer cash back? The nRewards card gives you the flexibility to redeem your points as you like. Want even more? Shop our Member Deals and earn extra rewards on your purchases, including up to 15 points or 15% cash back per dollar spent.Footnote 1

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.

Coverage includes physical damage and theft of the rental vehicle, reasonable towing charges, valid loss-of-use charges imposed by the auto rental company, as well as your deductible and any other eligible amounts not covered by other insurance. Only you, as the primary renter of the vehicle, and any additional drivers permitted by the auto rental agreement are covered.

Certain terms, restrictions and exclusions apply. For more information, please refer to your Auto Rental Insurance Guide. If you need a copy of the guide, please call 1-888-842-6328 or one of our international phone numbers.

Mastercard Standard MasterRental® Insurance Coverage

Visa Auto Rental Collision Damage Waiver Program

Additional Card Benefits

Learn more about additional travel, entertainment and shopping benefits.

Included With All Navy Federal Credit Cards

  • Use your credit card before it arrives in the mail if you qualify for a digitally issued card
  • 24/7 help from our US-based member service team
  • No balance transfer or foreign transaction feesFootnote 2
  • Ability to freeze and unfreeze your cards
  • Zero Liability policy for confirmed unauthorized transactions
  • Fraud notifications*
  • Access to your credit score

Learn More about the benefits included with all Navy Federal credit cards

Disclosures

1

Rewards are subject to change and vary by merchant. Reward types are based on the purchasing credit card. cashRewards and cashRewards Plus cards receive cash back, Platinum receives a statement credit, and all others receive points. Program excludes Navy Federal Business and Home Equity Line Visa® Platinum credit cards and Navy Federal Debit Cards.

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2

As of 01/12/2025, nRewards® Secured card rate is 18.00% APR and will vary with the market based on the U.S. Prime Rate. All other Navy Federal credit card rates range from 11.24% APR to 18.00% APR, are based on product type and creditworthiness, and will vary with the market based on the U.S. Prime Rate. ATM cash advance fees: None if performed at a Navy Federal branch or ATM. Otherwise, $0.50 per domestic transaction or $1.00 per foreign transaction. $49 annual fee for Visa Signature® Flagship Rewards.

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