The Basics 

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.

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.

  • 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.

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.

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.

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.

Card Value

To check your balance, visit our Loyalty Card page, enter your username in the “Username” field and click “Sign In”. If you haven’t created a username for your Card, select “Need Username?” under the “Username” field.

It's important to know your remaining balance before you make a purchase. Your purchase could be denied if it's greater than your balance. Keep a record of your purchases and remaining balance.

You should keep your Card until you know you won’t be returning anything you purchased with it. If you try to make a return, the store may require you to present the Card you used to make the purchase. Once you’re sure there’s no further need, destroy the Card.

Making a Purchase 

Using your Navy Federal Loyalty Card is similar to using a debit card. When you’re ready to pay, select CREDIT, sign the receipt and you’re all set. Or, select DEBIT if prompted and enter your PIN.

Each time your Card is used for a purchase, the amount is automatically deducted from your balance. It’s recommended that you know your balance before making a purchase because some merchants won’t be able to provide that information.

To make a purchase in an amount greater than the available balance, you‘ll need to use a second form of payment to cover the difference.

Tell the cashier the amount you’d like applied to your Navy Federal Loyalty Card, then pay the balance with your second payment method.

If your purchase is declined after you’ve verified the Card has sufficient funds, call the toll-free number listed on the back of the Loyalty Card.

Let the cashier know you want to cancel the purchase. If the merchant cancels a transaction after it was processed, it will take 3 to 7 days for the authorization hold to be removed from your Card and the funds to become available again.

If you decide to return merchandise purchased with your Navy Federal Loyalty Card, you may be asked to present the Card to process that return. Be sure to hold onto your purchase receipts and your Card—even after the balance is depleted. If store policy is to credit the Card used to make a purchase, it will take 3 to 7 days to be added back to the available balance on the Card. When returning an item purchased online, you may need to provide your Loyalty Card number.

The funds on your Loyalty Card expire on the date displayed on the front of the Card. You can make purchases using your Card until the expiration date or the full value of the Card is depleted. Any transaction attempted after the expiration date will be declined.

Using the Navy Federal Loyalty Card 

You can use your Navy Federal Loyalty Card at millions of places that accept Visa Debit Cards, including retail stores, online merchants and over the phone. Loyalty Cards are only valid in the United States (U.S. territories are excluded).

You can’t use Loyalty Cards for recurring bill payment transactions.

Your available balance reflects purchases that have been authorized but haven’t cleared your account. Your actual balance reflects all purchases that have cleared.

Yes. You can use your Navy Federal Loyalty Card anywhere Visa Debit Cards are accepted in the United States (U.S. territories are excluded).

Yes. You can authorize your transaction for an additional 20% above your total bill. The tip amount is your choice.

Be sure the balance on your Card is enough to cover the bill and the tip. If not, the transaction will be declined.

Yes. You can use your Navy Federal Loyalty Card to pay for both hotels and car rentals. Some car rental companies and hotels may require a credit card to make a reservation. At check-in, hotels will put a hold on the estimated amount of your stay, making those funds unavailable for a period of time. Avoid a hold on your Loyalty Card by checking in with a credit card, then using your Navy Federal Loyalty Card for final payment.

Yes. To make an online or phone purchase, you’ll need to register your Card by visiting our Loyalty Card page, entering your username in the “Username” field and clicking “Sign In”. If you haven’t created a username for your Card, select “Need Username?” under the “Username” field.

After signing in, select “My Profile” under "My Settings" and enter your name, address and phone number.

When you make an online or phone purchase, the name, address and phone number you use must be exactly the same as the information you provided when registering your Card. If the information is different, the transaction may be declined.

No. Your Loyalty Card won’t be accepted at locations outside the United States. It’s welcome at millions of locations where Visa Debit Cards are accepted within the United States (U.S. territories are excluded).

Charges and Fees
Service Fee
Lost/Stolen or Replacement Fee $5.00
Express Delivery Fee for Replacement Cards $5.00

Note: All fees will be debited from the remaining Loyalty Card balance.

If you’ve forgotten your PIN, visit our Loyalty Card page, enter your username in the “Username” field and click “Sign In”. If you haven’t created a username for your Card, select “Need Username?” under the “Username” field.

Once signed in, select “My PIN” under the “My Settings” drop-down menu and then select “Forgot PIN”.

Yes. Visit our Loyalty Card page, enter your username in the “Username” field and click “Sign In”. If you haven’t created a username for your Card, select “Need Username?” under the “Username” field. After signing in, select "My Profile" under “My Settings” and make updates.

Yes. Using your Navy Federal Loyalty Card signifies that you accept the Terms & Conditions.