As a credit cardholder, you can add your spouse, family member or anyone else as an authorized user on your account.1

It’s safe, secure and convenient, and it should take only a few minutes to complete the process. Authorized users will receive their own card with a unique card number and have the ability to make purchases using the account.

As the primary cardholder, you'll be able to:

  • earn rewards for their purchases if you have a rewards card2
  • set spending limits for their cards
  • track their spending using digital banking*

Here’s what you’ll need:

  • To add a Navy Federal member, you'll need their Access Number, Social Security Number, date of birth, telephone number, address and name to be printed on the card.
  • To add a non-member, you'll need their Social Security Number, date of birth, telephone number, address and name to be printed on the card.

Add an authorized user in any of these ways:

  • Sign in to the mobile app,* select your card, tap “Manage Card” and select “Add Authorized User”
  • Call us at 1-888-842-6328
  • Visit a branch


1 Each account is limited to four total users per account, including the primary and any joint account owners. 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. The account will be reported routinely to the credit reporting agencies in the names of all cardholders, including authorized users.

2 Visa Signature Flagship Credit Cards earn 3 points for every $1 of net purchases made on travel and 2 points for every $1 of other net purchases. "Net purchases" means the sum of your eligible purchase transactions minus returns and refunds. Eligible purchase transactions do not include, and rewards are not earned for, the following transactions: cash advances, convenience checks, balance transfers, or fees of any kind, including finance charges, late fees, returned check fees, ATM cash advance fees, and annual fees. Cash equivalent transactions, such as the purchase, loading, or reloading of gift and prepaid cards (e.g., money orders, Visa Buxx Cards, GO Prepaid Cards and other cash equivalent gift cards), may not be eligible purchase transactions and may not earn rewards. A Flagship travel purchase may only earn 2 points per dollar spent, depending on the merchant code used to process the transaction. Travel is typically categorized under merchant category codes such as airline, hotel, car rental, bus lines, taxis, cruise lines, time shares, parking and transit. Additional categories may be ineligible, in which case you will receive 2 points per dollar spent at these locations based on the merchant category codes. For more information, view the Flagship Rewards Program Description at