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Navy Federal Credit Union

Add an Authorized User

Share Credit Card Benefits

As a Navy Federal credit cardholder, you can add your spouse, family member or anyone else you’d like to your account.1 Authorized users will receive new cards with their own unique card numbers and have the ability to make purchases on the account. You can:

  • earn rewards for their purchases2
  • set spending limits on all cards
  • track spending via Mobile3 and Online Banking

It's safe, secure and convenient.

Adding an authorized user is easy. Simply sign in and send us a secure message with the person's Social Security Number, date of birth and name as it should appear on the card.
You can also visit a branch or call us at 1-888-842-6328.

Sign in to add someone as an Authorized User to your account.

Sign In

1Each 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 performance will be reported in all the account holders' and authorized users' names to the credit bureaus. 2Earn rewards on eligible 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, Navy Federal cash equivalent transactions, such as the purchase, loading or re-loading of Navy Federal prepaid and gift cards (e.g., Navy Federal gift cards, Visa® Buxx Cards, GO Prepaid Cards). 3Message and data rates may apply. Terms and Conditions are available.