Cardholder Resources
Get the essential information you need to successfully manage credit cards.
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Adding an Authorized User to Your Credit Card
As a credit cardholder, you can add your spouse, family member or anyone else as an authorized user on your account.
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Making Credit Card Payments
Pay off your card balance with confidence. Understand how to read your monthly credit card statements and make one-time or automatic payments.
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Features Included With All Cards
No foreign transaction fees, access to your credit score and more features and benefits available to all cardholders.
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Digital & mobile wallets—Apple Pay®, Google Pay™, Samsung Pay®
Securely store your credit or debit card details on your mobile device* to make purchases anywhere without having to carry your actual card.
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Freeze or Unfreeze Your Card
When you temporarily misplace your Navy Federal Credit or Debit Card, you can freeze the card while you locate it. Once you locate the card, you can unfreeze it in seconds.
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Pay Your Way With Contactless Cards
With a contactless card, you can make payments with a tap of your card. Just look for the contactless symbol at the register.
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What to Do If You Suspect Fraud
As your partners in security, we work around the clock monitoring your accounts for fraudulent activity. Learn what it takes to protect yourself and what to do if your accounts are ever compromised.
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Redeem Credit Card Rewards
Get the most out of your credit card. Redeem your rewards now.
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Get Your Credit Score
Stay on top of your credit. Sign in to your Navy Federal account to easily view your credit score.
Learn More about Get Your Credit Score
Disclosures
The Contactless Indicator, consisting of 4 graduating arcs, is a trademark owned by and used with permission of EMVCo, LLC.
Authorized users can use your account subject to the terms and conditions of the Credit Card Agreement and Disclosure. You are responsible for paying any charges made or allowed by an authorized user. Your account's performance will be reported to consumer reporting agencies under all cardholders' names, including any authorized user of your account.
As of 10/07/2026, the Purchase, Balance Transfer, and Convenience Check APR for the cashRewards Secured card is 18.00% and for other cards ranges from 10.24% APR to 18.00% APR, are based on creditworthiness and product type. These APRs vary with the market based on the U.S. Prime Rate. The Cash Advance APR is 18%. The Penalty APR is 18% and may apply to an account that is over 60 days past due. ATM cash advance fees: None if performed at a Navy Federal branch or ATM. Otherwise, $0.50 per domestic transaction or $1.00 per foreign transaction. $95 annual fee for Flagship Premier Visa Signature® applies.
All product and company names and logos are trademarks™ or registered® trademarks of their respective holders. Use of them does not imply any affiliation with or endorsement by them.