The easiest Navy Federal credit card to get is the Navy Federal nRewards Secured Credit Card because you can get approved with Bad. If you’re not looking for a secured card, NFCU has unsecured credit cards for good credit or better, such as the Navy Federal More Rewards Amex Card, the Navy Federal cashRewards Credit Card, the Navy Federal Platinum Credit Card, and the Navy Federal Go Rewards Credit Card.
The Navy Federal nRewards Secured Credit Card requires a refundable deposit (minimum of $200), and the deposit becomes your credit limit. It’s a real credit card, so information about your account will be reported to credit bureaus. And you’ll be charged an APR of 18% (V) on your purchases if you don’t pay your 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 for a chance at “graduating” from a secured card to an unsecured credit line.
Still, no matter how creditworthy you may be, you won’t get approved 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 at the Navy Federal Credit Union website. But that restriction alone makes NFCU cards harder to get than comparable cards open to the general public.
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