Navy Federal nRewards Secured Credit Card Benefits

Navy Federal nRewards Secured Credit Card holders have access to additional benefits including:

  • Free FICO credit score access
  • Cellphone protection

Maximizing Rewards

Given the flat 1 point per dollar rewards rate, you get the most rewards by making as many purchases as possible with the card.

Comparison to Other Cards

Annual fee: The Navy Federal nRewards Secured Credit Card has an annual fee of $0. The Secured Mastercard from Capital One has an annual fee of $0.

Rewards: With the Navy Federal nRewards Secured Credit Card rewards program, you earn a flat one point per dollar in purchases with no limits. The Secured Mastercard from Capital One does not offer any type of cash back or travel rewards program.

Sign-up bonus: Neither card offers a sign-up bonus.

Benefits: The Navy Federal nRewards Secured Credit Card charges no balance transfer or foreign transaction fee, and it offers free FICO credit score access and cellphone protection. Secured Mastercard from Capital One holders receive access to emergency card services, fraud coverage and Mastercard identity theft protection.

Rewards: The Navy Federal nRewards Secured Credit Card rewards program offers one point per dollar in purchases with no caps. The Discover it Secured Credit Card allows you to earn 2% cash back on gas and purchases at restaurants up to $1,000 per quarter, and 1% cash back on all other purchases (unlimited amount).

Sign-up bonus: The Navy Federal nRewards Secured Credit Card does not offer a sign-up bonus. With the Discover it Secured Credit Card, your total cash back rewards are automatically matched dollar for dollar at the end of the first year for new cardholders.

Benefits: The Navy Federal nRewards Secured Credit Card charges no balance transfer and foreign transaction fees, and it includes free FICO credit score access and cellphone protection. Discover it Secured Credit Card cardholders have access to benefits such as a free monthly FICO credit score, and it charges no foreign transaction fees and no fee for your first late payment.




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By Admin

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