Navy FCU cashRewards Secured Credit Card* vs. Navy Federal Credit Union Platinum Credit Card
While not a secured card, the Navy Federal Credit Union Platinum Credit Card could be good for a Navy Federal member with fair credit—especially someone seeking an introductory APR. The card has a 0.99% intro APR on balance transfers for 12 months followed by an 10.99% to 18.00% variable APR on purchases and balance transfers, offer valid from 4/1/2025 through 1/1/2026 for new cardmembers who sign up within 60 days to transfer their balance (rates & fees).
There are no fees for balance transfers, cash advances at a Navy Fed branch or ATM or foreign transactions. Plus, you get a collision damage waiver (see terms), travel and emergency assistance and other card benefits depending on whether it’s a Visa or Mastercard version you’re approved for.
Navy FCU cashRewards Secured Credit Card* vs. Discover it® Secured Credit Card
Among the best secured cards, the Discover it® Secured Credit Card earns more cash back and comes with a welcome bonus. You can earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases. Then, after your first year, you get: Unlimited Cashback Match™ – Discover will automatically match all the cash back earned at the end of the first year.
The Discover it® Secured Credit Card does have a higher APR at 27.24% Variable APR. But there is no annual fee, and you can get your refundable security deposit of at least $200 back after seven months if you qualify for an upgraded card.
Navy FCU cashRewards Secured Credit Card* vs. First Progress Platinum Select Mastercard® Secured Credit Card
The First Progress Platinum Select Mastercard® Secured Credit Card earns similar rewards to the Navy FCU cashRewards Secured Credit Card*. But it also requires an annual fee for the privilege. It doesn’t have any introductory rates or many other significant benefits, but you can choose a card design, including a premium one for an extra $9.95 up-front.
