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Navy Federal Loyalty Card Terms and Conditions

The following disclosures set forth your and our rights and responsibilities concerning your Navy Federal Loyalty Card. These Terms and Conditions are governed by Virginia law. In this Agreement, the words “you” and “your” mean the person who has received the Navy Federal Loyalty Card. The words “we”, “us” and “our” mean Navy Federal Credit Union. The Card is not an account, does not earn dividends, is not reloadable and is not federally insured by the National Credit Union Administration.

Agreement and Amendments

We agree to maintain the Card for you and to perform according to this Agreement. By signing, activating or using the Card or by permitting anyone else to use the Card, you agree to the provisions of this Agreement, which is subject to amendment, and further agree that this Agreement is binding on your successors, representatives and assigns. The Card is our property, and we reserve the right to cancel or revoke its use at any time without prior notice, subject to applicable law.

Using Your Card

Before using your Navy Federal Loyalty Card, you must first activate your Card by phone at 1-866-767-0810. At the time of activation, you will be required to select a four-digit Personal Identification Number (“PIN”). Navy Federal Loyalty Cards can be used in the United States. U.S. territories are excluded. You may use your Card as often as you like to obtain goods and services up to the value of the Card. Each time you use your Card, we will deduct the amount of the transaction from the remaining value associated with the Card. The Card is not reloadable and cannot be used after its value reaches zero. If you use your Card for more than its available value, you agree to pay us the difference upon demand. We recommend checking the balance of your Card before using it. In order to make purchases online or over the phone, the Card must first be registered with a name, address and phone number. We caution against using your Card at automated fuel pumps since the transaction could result in a decline or an inconvenient hold on available funds, which could last several days. Instead, we recommend prepaying for your gas purchase in person with your Card at the cashier. Navy Federal will authorize transactions on the available balance except under certain circumstances, such as if the Card is canceled or you attempt to use the Card in the following ways:

  • For gambling or any unlawful activity
  • To make regular, pre-authorized payments to third parties
  • To obtain cash from automated teller machines (“ATMs”), cash back at the Point of Sale (“POS”), Teller Cash or Quasi-Cash Transactions
  • For purchases outside of the United States or in U.S. territories

You cannot place a "stop payment" on any Card transaction after it has been completed.

Card Expiration

The funds will expire when your Navy Federal Loyalty Card expires. Your Navy Federal Loyalty Card expiration date is embossed on the front of your Card. You can make purchases using your Card until either you reach the expiration date shown on the Card or you have used the full value of the Card. Once the Navy Federal Loyalty Card expires, any remaining funds on the Card will be depleted. Any transaction attempted after the expiration date will be declined.


In the event that one or more provisions of this Agreement shall for any reason be held invalid or illegal, such holding will not affect the enforceability of any other provision.

Charges and Fees

All fees will be debited from the remaining Card balance.

Charges and Fees
Lost/Stolen or Replacement Fee$5.00
Overnight Delivery - Weekday$12.00
Overnight Delivery - Saturday$20.00

Unauthorized PIN and Signature Purchase Transactions

Contacting us at 1-866-767-0810 is the best way of keeping your possible losses to a minimum. You may also write us at the following address: Visa Debit Processing Service, P.O. Box 026098, Miami, FL 33103. If you tell us within two (2) business days after you discover the loss or theft of your Card, you will not be liable for any losses resulting from the use of your Card without your permission. If you do not tell us within two (2) business days after learning of the loss or theft, you may be liable if someone used your Card without your permission.

Cardholder Service

You can review your Card's balance and transaction history 24 hours a day, 7 days a week by signing in to our Loyalty Card page. If you have any questions about the Card, you can contact us at 1-866-767-0810 or write to us at Visa Debit Processing Service, P.O. Box 026098, Miami, FL 33103.

Error Resolution Procedures

If you use your card to purchase merchandise or services and a dispute arises, you agree to make a good faith attempt to resolve the dispute with the merchant. If your attempts at contacting the merchant are unsuccessful, please contact us at 1-866-767-0810 or write to us at: Visa Debit Processing Service, P.O. Box 026098, Miami, FL 33103. We MUST hear from you no later than sixty (60) days after we send the FIRST statement on which the problem or error appeared. If you choose to notify us via telephone about any errors or questions, we will also require you to submit your concerns in writing. You must provide the following information: your name and Card number, a description of the error or the transaction you are unsure about and a clear explanation of why you believe it is an error or why you need more information, the dollar amount of the suspected error, and the date, time and location of the suspected error. We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, we will re-credit the Card within ten (10) business days for the amount you think is in error. We will tell you the results within ten (10) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. We will tell you the results within ten (10) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation.

Disclosure of Information to Third Parties

We may disclose information to third parties about your Card or the transactions that you make: where it is necessary for completing the transaction; to verify the existence and condition of your Card for a third party; to comply with government agency or court orders; if you give us your consent; or as otherwise required by law.