What's the easiest Navy Federal credit card to get?

The easiest Navy Federal credit card to get is the Navy Federal Credit Union cashRewards Secured Credit Card because it is designed for people with bad credit. The card requires a refundable deposit of at least $200, which will determine your credit limit. Your account information will also be reported to the major credit bureaus, helping you build credit.

Navy Federal cashRewards Secured Card APR & Upgrade Path

Note that you’ll be charged an APR of 18% (V) on your purchases if you don’t pay your Navy Federal cashRewards Secured Card balance in full every month. This secured card gives you a path toward unsecured credit, too. NFCU reviews secured credit accounts starting at 6 months after approval for a chance at graduating from a secured card to an unsecured credit line.

Besides the secured credit card option, NFCU mainly has unsecured credit cards for fair credit or better. Although NFCU doesn’t offer many credit cards that are easy to get, there are plenty of options from other issuers to choose from.

Some of the Easiest Credit Cards to Get

If you’re set on getting a NFCU credit card, there is one key thing to remember. More specifically, no matter how creditworthy you may be, you won’t get approved for a Navy Federal credit card if you don’t qualify for NFCU membership.

Navy Federal Credit Union membership is open to members of the military, Department of Defense employees, veterans, and their families. You can see if you can become a member online. But that restriction alone makes NFCU cards harder to get than comparable cards open to the general public.