• 24/7 Access to Stateside Member Reps

    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 Fees 1

    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 FICO® Score2

    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.


1 For all Navy Federal Credit Cards: As of 5/1/20, rates range from 5.99% 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.

2 FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.