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Our premier tier for Navy Federal debit cardholders

For members who use debit more—and get more in return

Check out current offers

How do I qualify?

More value, built around how you use debit

Debit Plus adds thoughtful extras—like special offers, access to experiences and a card design that stands outFootnote [1]

Exclusive merchant discounts

Save with special offers from select merchants.

See how members save

Invitation-only experiences & events

Get access to select member experiences.

Explore them here

Premium Debit Plus card design

Celebrate your status with a card that stands out.Footnote [2]

See the card

How do I qualify for Debit Plus?

To qualify, average at least 90 eligible debit card transactions per month for 4 consecutive months.

What counts?

  • Point‑of‑Sale (POS) purchases with your Navy Federal Debit Card
  • Recurring payments made with your debit card (card‑on‑file), like streaming services or subscriptions
  • Person‑to‑person payments using your debit card, such as Cash App or Venmo

What doesn’t count?

  • Gambling transactions
  • Cash‑equivalent transactions, like gift or prepaid card loads or cash from an ATM or teller
  • Any returns and refunds will be deducted from your total

What Debit Plus includes

Current perks, offers and experiences for qualifying debit cardholders

Porch Piracy Protection

If an item you bought with your debit card is stolen from its delivery location within 90 days of purchase, you could be eligible for reimbursement.Footnote [5]

Rideshare Protection 

You have accidental death and dismemberment (AD&D) coverage when you pay for your rideshare fare with your debit card.Footnote [5]

Debit Plus suite access 

Reserve your tickets today and get used to VIP treatment at Capital One Arena—with delicious bites, refreshing drinks and a few thoughtful surprises. Select up to 2 events for 2 seats in the suite.Footnote [3]

Vivid Seats offer 

Sing, cheer, save! Use your Debit Plus card to save 10% on every ticket purchase through Vivid Seats—up to $50 off every time you order, and your next concert, game or show could be more affordable.Footnote [4]

Expedia® offer

Imagine your next getaway with even more savings—an extra 10% off eligible bookings, stacked on top of 20% or more off over 100,000 hotels worldwide with Expedia Member Prices. Your dream trip could be closer.

Member experiences & events

Premium moments, made for Debit Plus members

Debit Plus invites you to experiences you’ll remember, with events for every kind of fan.

Suite seats, big moments

Basketball, hockey, concerts and more—with premium suite access.

Feel it live

Concerts, events and experiences you won’t want to miss.

Savings that travel

Special offers on tickets, hotel stays and everyday purchases means more room in the budget—for fun.

Check your progress

The debit transaction tracker shows how often you’re using your card, so you can easily tell how close you are to earning Debit Plus status.

To view the tracker:

  1. Sign in to your account
  2. Select Cards
  3. Select your debit card
  4. Select Debit Card Tracker

Track my progress


How do I request my replacement card early?

To request a new card before your current card expires: 

  1. Sign in to your account.
  2. Select Cards.
  3. Select the debit card you want to replace.
  4. Select Replace Debit Card.

Can I lose Debit Plus status?

Failure to maintain an average of 90 eligible transactions in subsequent 4-month periods may result in removal from the Program.

Are benefits transferable?

Eligibility, benefits and rewards may only be earned, used or redeemed by the eligible Debit Plus accountholder(s) and may not be sold or transferred.

Disclosures

1

Navy Federal is not responsible for any third-party benefits or rewards that may be offered or provided to you as part of the Program. Third-party benefits or rewards may be added, changed, substituted, or removed from the Program at any time at Navy Federal’s discretion without prior notice. 

2

Any Program-specific debit card that may be issued to you does not imply membership in the Program, and a Program-specific debit card is not required to participate in the Program or its benefits. If your newly issued card needs to be replaced for any reason, we may provide you with a traditional design card. This will not impact your membership in the Program.

3

MUST BE 21 OR OLDER AND A NAVY FEDERAL CREDIT UNION DEBIT PLUS MEMBER. Offer valid through 5:30 pm ET on June 30, 2027; however, Navy Federal reserves the right to modify or end this offer in its discretion at any time without notice and is not responsible for event changes, rescheduling, or cancellation.

Members may have the opportunity to register for tickets plus access to a private suite, food, and beverages (collectively, “Event Package”) for a select event at Capital One Arena in Washington, D.C. (“Event”). Navy Federal has the sole discretion to determine which Events are offered. For NCAA basketball games, the Event Package does not include food or beverages. Offer excludes parking, accommodations, and any other items not specified by Navy Federal Credit Union. Opportunity for Event Packages and participation is limited and on a first-come, first-served basis. Event Packages are provided for your personal and non-commercial use only, and any other use is prohibited.

Donation payments are non-refundable and must be completed with a valid Navy Federal Credit Union Debit Plus Visa Debit Card at time of registration. Event tickets and other items are not transferable and may not be resold or redeemed for cash. Offer is valid only for the original recipient and cannot be combined with any other offer or discount. Any applicable tax must be paid by each redeemer of the offer.

The Event may be recorded or otherwise documented, and participants may be included in the recording, videos, still images, written materials, or other materials (as applicable) (“Event Recording”). By participating in the Event, you hereby grant Navy Federal Credit Union the irrevocable and absolute right and permission to use, in whole or in part, your name, image, photograph, voice, statements (actual or paraphrased), performance, and/or any other likeness or indicia identifying you (your “Likeness”) in the Event Recording to the extent permitted by applicable law, including, without limitation, in connection with internet and digital materials and in press, public relations, and publicity materials, all for the purpose of advertising, publicity, and marketing for Navy Federal Credit Union or their affiliates and their products and services and/or any other lawful purpose, worldwide, in any and all media now known or hereinafter invented.

References to “you” or “your” include redeemer of the offer and any guest participating in/attending the Event. By participating in/attending the Event, you accept these terms and conditions: Debit Plus program terms apply; Additional terms apply.

Navy Federal Credit Union reserves the right to remove any person from the Event for inappropriate behavior including, without limitation, disruptive, abusive, or violent behavior. Offer void where prohibited. Must be 21 years of age or older to consume alcoholic beverages. Please drink responsibly.

All donations will be donated to Dog Tag Inc., a nonprofit organization based in Washington, D.C., dedicated to empowering Veterans, military spouses, and caregivers to find renewed purpose and community after serving in the military. 

4

Discount automatically applied at checkout. Valid only for orders placed online at vividseats.com via the links provided through your relationship with Navy Federal Credit Union. Discount expires at 11:59 pm CT, 10/5/2026. Discount amount is equal to 10% off your order (excluding taxes, fees, and shipping costs), up to a max savings of $50.00. All offers and prices are subject to change and availability. Cannot be used toward gift card purchases or combined with any other discounts. Discount is non-transferable. Not valid for past purchases.

5

Certain terms, conditions, and exclusions apply. For coverage to apply, you must use your covered Debit Plus account and/or rewards program associated with your covered Debit Plus account to secure transactions. Please refer to your Guide to Benefits for further details. These benefits apply to purchases made on or after 04/01/2025.

To be eligible for the Debit Plus program (the “Program”), you must make an average of 90 eligible transactions per month using your Navy Federal Debit Card over 4 consecutive months. “Average number of eligible monthly transactions” is calculated by adding all your eligible transactions for any 4-month period (measured from the 1st calendar day of the 1st month to the last calendar day of the 4th month) and dividing by 4. “Eligible transactions” include Point-of-Sale (POS) transactions and Person-to-Person transactions using your Navy Federal Debit Card to send or receive the funds (e.g., Cash App, Venmo), minus any returns and refunds. Eligible transactions do not include gambling transactions or cash-equivalent transactions (e.g., purchasing, loading, or reloading gift and prepaid cards, or obtaining cash via a teller or ATM). All accounts owned under one Access Number are counted toward eligible transactions. Eligibility, benefits, or rewards may only be earned, used, or redeemed by you, and may not be sold or transferred. Failure to maintain an average of 90 eligible transactions in subsequent 4-month periods may result in removal from the Program.

Program eligibility is at Navy Federal’s sole discretion, and Navy Federal reserves the right to terminate, suspend, or modify the Program or your participation in the Program at any time and for any reason without prior notice.

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