Take Control of Your Online Payments

With Card on File, you can easily link your Navy Federal Debit and Credit Cards to the online merchants you shop with most. If you’ve already connected your card to an online merchant, you can quickly swap it out for a new, existing or reissued card.

It’s a convenient and secure way to control how you pay for recurring online subscriptions, services and purchases.

Card on File Makes It Easier To:

  • Manage your card info in one place, via our mobile app*

  • Connect your card with popular online merchants

  • Switch the card you have on file to a new or existing card

  • Update your payment info when a card is reissued

To get started:

  1. Sign in to the mobile app
  2. Select a debit or credit card account
  3. Tap “Manage Card”
  4. Tap “Card on File” (listed under “Online Payments & Subscriptions”)

FAQs

How does Card on File work?

Card on File lets you easily connect participating online merchants to your credit or debit card to pay for your recurring payments and subscriptions.

To get started, select a participating merchant and enter the sign in credentials for your account with them, then choose the Navy Federal card you want to add as a payment method. Your sign in credentials will be stored, so you can easily update your payment method to a different Navy Federal card whenever you need.

What merchants are supported by Card on File?

Currently, more than 65 of the most popular U.S. online merchants—including Amazon, Netflix, Hulu and Spotify—are supported by Card on File. View the complete list here.

Don’t see a merchant you use? Check back frequently, as we’ll be adding more merchants in the future.

How long does it take to update my payment method for a merchant using Card on File?

It can take anywhere between a few minutes to 24 hours to update your payment method for a merchant. We’ll send you an email confirmation once we’ve successfully connected your card.

What if I don’t remember the password for my merchant account?

Card on File supports the ability to update your account username and password. To update your credentials, you’ll be redirected to the merchant website. Once updated, you can finish connecting the merchant to your card.

Can I sign up for a merchant’s services using Card on File?

You’ll need to visit the merchant’s site to start a new service. Once you’ve started a service with a participating online merchant, Card on File helps you manage your recurring payments and subscriptions.

What if I’m already using my Navy Federal card at a merchant?

You can still connect the same Navy Federal Credit or Debit Card as payment using Card on File. Once you’ve connected your card with a merchant, Card on File will store your sign in credentials so you can easily manage future payments.

What happens when my Navy Federal card is reissued?

If your card is reissued due to loss, theft, renewal or replacement, Card on File will let you know if any connected merchants no longer have valid payment info. Tap on the notification banner in the app to easily reconnect these merchants to your reissued card.

Why don't I see my card in Card on File?

If an eligible Navy Federal Debit or Credit Card isn’t visible in Card on File, please double-check that the card is activated. If you’re the primary cardholder or an authorized user, you can use digital banking to activate your card.

Can I stop payments to a connected merchant through Card on File?

We’re unable to revoke the authorization you provided to a participating online merchant, so your best option is to contact the merchant directly.

You may request us to stop payment on a series of recurring preauthorized payments, but this won’t stop any additional payments you authorize (or have authorized) to that merchant.

Can I remove a card I’ve connected to a merchant?

Card on File only permits adding and switching payment methods. To remove your Navy Federal card as a payment method, you’ll need to contact the merchant directly.

If you don’t want to see a connected merchant in Card on File, you can remove them from your list using the EDIT function at the top right of the main screen.

Which Navy Federal cards can I use with Card on File?

Eligible cards include:

  • The Navy Federal Debit Card
  • Navy Federal consumer credit cards

The following cards aren't eligible:

  • The Navy Federal Business Debit Card
  • The Navy Federal Business Credit Card
  • CUCARD®
  • Home Equity Platinum credit card
  • All Prepaid cards, including GO Prepaid, Visa® Buxx, Gift Cards, Awards Cards, Loyalty Cards and Navy Marine Corps Relief Society cards

Disclosures

All product and company names are trademarks™ or registered® trademarks of their respective holders. Use of them does not imply any affiliation with or endorsement by them.