cashRewards Secured Credit Card
No annual fee. Purchase APR 18.00%, variable.
- Annual fee
- Issuer's pagenavyfederal.org
The source states this figure; we have no exact sentence on file yet.
- Purchase APR
- Issuer's pagenavyfederal.org
“As of 09/29/2026, cash Rewards Secured card rate is 18.00% APR and will vary with the market based on the U.S.”
- Foreign transaction fee
- CFPB credit card surveyReported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $120 | $120 |
| Typical spender | $300 | $300 |
| Heavy spender | $660 | $660 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- No annual fee, like about 90% of the 49 cards on our Secured list (see the list).
- Lower top APR than about 90% of the 44 cards on our Cash back list (see the list).
- Worth more to a typical spender than about 90% of the 49 cards on our Secured list (see the list).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
How you earn · cash Rewards Secured
- 1%Everything else
Rates and fees
| Annual fee | Issuer's pagenavyfederal.org The source states this figure; we have no exact sentence on file yet. |
|---|---|
| Purchase APR | Issuer's pagenavyfederal.org “As of 09/29/2026, cash Rewards Secured card rate is 18.00% APR and will vary with the market based on the U.S.” |
| Cash advance fee | Issuer's pagenavyfederal.org “Otherwise, $0.50 per domestic transaction or $1.00 per foreign transaction. ↵” |
| Foreign transactions | CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
Carrying a balance? See how long it takes to pay off
Benefits
- Rental car
Questions
- What is the annual fee?
- No annual fee navyfederal.org, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- No. Reported to the CFPB, Dec 31, 2025, since Oct 4, 2026
- What is the purchase APR?
- 18.00% APR navyfederal.org, since Sep 29, 2026
Other secured cash back cards with no annual fee
- Bank of America Unlimited Cash RewardsBank of America · No annual fee+$150 a year
- Bank of America Unlimited Cash Rewards SecuredBank of America · No annual fee+$150 a year
- Quicksilver RewardsCapital One · No annual fee+$150 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).