To continue enjoying all the features of Navy Federal Online, please use a compatible browser. You can confirm your browser capability here.

24/7 help from our U.S.-based member service team

Reach us online, over the phone or at a branch. We’re ready to serve you, no matter where you are.

No Balance Transfer or Foreign Transaction Fees1

To show how much we value our members, we never charge a fee to transfer an existing credit card balance to one of our cards. And, whether you’re stationed overseas or just traveling, we won’t charge you a foreign transaction fee.

Ability to Freeze and Unfreeze Your Cards

If you’ve temporarily misplaced your credit or debit card, you can freeze the card while you look for it. Once you locate the card, you can unfreeze it in seconds and continue using it.

Zero Liability Policy for Reported Unauthorized Transactions

Report questionable charges as soon as you’re aware of them. Our Zero Liability policy ensures you won’t be responsible for reported unauthorized transactions made in a store, over the phone or online.

Fraud Notifications*

Using state-of-the-art fraud prevention systems, we monitor your accounts for fraud and unusual activity and will notify you if we see anything suspicious.

Access to Your Credit Score

We want to help you build and maintain good credit, so we offer free credit scores for our primary cardholders. Using this feature isn’t reported to the credit bureaus and won’t affect your score.

Use your credit card before it arrives in the mail if you qualify for a digitally issued card

While you're waiting for your physical card to arrive in the mail, if you qualify for digital issuance, you could get a digitally issued card sent to your email for immediate use. Instantly shop on the go by adding the virtual version of your credit card to your digital wallet*. You can enter the credit card number manually to use it for online or in-person shopping, too.



As of 07/18/2024, nRewards® Secured card rate is 18.00% APR and will vary with the market based on the U.S. Prime Rate. All other Navy Federal Credit Card rates range from 11.24% APR to 18.00% APR, are based on product type and creditworthiness, and will vary with the market based on the U.S. Prime Rate. 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. $49 annual fee for Visa Signature® Flagship Rewards.