Visa Loyalty Card FAQs
What Is a Navy Federal Loyalty Card?
The Navy Federal Loyalty Card is welcome everywhere Visa® Debit Cards are accepted in the United States (U.S. territories are excluded). Navy Federal Loyalty Cards are loaded with a set amount of funds that can be used for multiple purchases for as long as value remains on the Card. Please note that Navy Federal Loyalty Cards can’t be used overseas or for recurring bill payments.
How does my Navy Federal Loyalty Card work?
You can use your Card to pay for purchases at millions of places that accept Visa Debit Cards in the United States (U.S. territories are excluded). The Card’s initial value is preloaded. Additional funds can’t be added later.
How do I use the card?
- Before making your first purchase, sign the back of your Loyalty Card.
- When ready to pay, select CREDIT and sign the receipt. Or, select DEBIT, if prompted, and enter your PIN.
- Each time you make a purchase, the amount is automatically deducted from the Card balance. It’s important to keep track of your balance. The Card doesn’t offer a line of credit like a credit card.
How do I activate, register and create a PIN for my Navy Federal Loyalty Card?
With your Navy Federal Loyalty Card in hand, visit our Loyalty Card page and click "Activate My Card". If this is a new Loyalty Card, you'll be required to select a 4-digit PIN and create a username to sign in to our Loyalty Card page.
Once signed in, click "My Profile" under the "My Settings" drop-down menu, then enter your name, address and phone number to register your card.
Note: The fields marked with an asterisk (*) are required. All other fields are optional.
Why should I register my Navy Federal Loyalty Card?
Registering your Navy Federal Loyalty Card has several benefits. It will:
- enable you to make purchases online and by phone. Most online retailers don’t accept payments without a valid billing address, but your registered address will serve as the billing address.
- allow Customer Service Representatives to assist you more quickly when you need help.
- protect you if your Card is ever lost or stolen, so you can be reimbursed for unauthorized purchases.
What should I do if my Navy Federal Loyalty Card is lost or stolen?
Registering your Loyalty Card helps Navy Federal assist you more quickly in the event that your Card is lost or stolen. If you haven’t registered your Loyalty Card or you don’t know the 16-digit Card number, please sign in to online banking at navyfederal.org and send us a message with your information, or call us immediately at 1-888-842-6328.
If your Loyalty Card was previously registered, report a lost or stolen Card immediately by calling 1-866-767-0810. You may also write to us at Visa Debit Processing Service, P.O. Box 026098, Miami, FL 33103. If you tell us within 2 business days after you discover the loss or theft of your Card, you won’t be liable for losses if your Card was used without your permission. If you don’t tell us within 2 business days, you may be liable.
To request a replacement Loyalty Card, you’ll need to provide the entire 16-digit Card number for it to be canceled and a replacement issued.
To ensure authorized use of your Navy Federal Loyalty Card, be sure to sign the back of the Card before using.