Use Navy Federal Credit Union’s easy, convenient Home Equity Line Visa® Platinum Card for making purchases with your equity line. Not a Navy Federal Member? Join now and enjoy the support and great service of a credit union that puts your needs first. The Navy Federal cash Rewards Secured Credit Card lets you earn rewards while building credit with a deposit as low as $200. Taking a credit card cash advance can have pitfalls. Navy Federal Credit Union suggests things you should watch out for. To choose your best first credit card, keep your goals in mind—from building healthy credit to having a card available for emergencies. When searching for your best first card, look for a card that offers low costs, fair terms and useful rewards to get the most bang for your buck. Explore the different types of credit cards to help find the one that meets your situation. Explore the best small business credit cards from Navy Federal—with great rates, no annual fees, and your choice of rewards. Available as Visa or Mastercard. As a Navy Federal member, you have options when it comes to your credit card rewards. With a Navy Federal rewards credit card, you earn at least 1 point per dollar [1] or up to 2% cash back on all purchases, [2] whether you spend it on groceries, gas or restaurants. Each card has a different structure, so choose the card that best fits your needs. Navy Federal has several credit cards, so choose the one that's right for you. Browse our cards to compare variable APRs, perks and rewards programs, and even see if you prequalify for your card of choice. The offer excludes Navy Federal Business cards and Home Equity Line Platinum credit cards. It also excludes balance transfers using convenience checks and existing Navy Federal credit cards. Learn the steps of Navy Federal Credit Union’s credit card application process, including how long it can take, factors that are considered and the impact on your credit.