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cashRewards Secured Credit Card from Navy Federal: deposit, fees and APR
Fact sheet for the cashRewards Secured Credit Card, issued by Navy Federal, with no annual fee and cash back. Every detail below comes from the issuer’s pricing and terms pages, checked on the date shown at the end of the page.
Issuer
Navy Federal
Annual fee
$0
Rewards
Cashback: Unlimited 1% cash back on all purchases.
Purchase APR
Purchase & Balance Transfer Variable APR of 18.00%
Balance transfer fee
None
Foreign transaction fee
None
Credit level
Poor, Limited
Secured
Yes, a refundable deposit sets the limit
What new cardholders actually got
In the CFPB's Terms of Credit Card Plans survey for July to December 2025, new accounts on this card got a median purchase APR of 18.00%. The advertised range above is what the issuer offers today; the survey shows where approved applicants landed.
Every article is checked against primary sources: the Consumer Financial Protection
Bureau, the Federal Reserve and issuer terms. When a number changes, we update the piece
and say when.
How we make money
Some pages contain partner links that may earn us a commission. This never changes what we publish and costs you nothing. No lender pays for placement or for a
better review, and nobody outside our editorial team sees a piece before it runs.
What we are not
Hub for Credit publishes independent information about credit cards, loans, and consumer finance. We are not a bank, a lender, or a card issuer, we do not extend credit, and we do not broker applications. Nothing here is personalized financial advice.