Apply for navy federal credit union credit card

Our convenient application process makes it easy to get a loan at a great rate, or a credit card with exclusive benefits.

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  Whether you’re looking to buy a new or used car, or even want to refinance your auto loan from another lender, we’re here to help.

  Learn Moreabout Auto Loans

• We have the right credit cards for your financial needs. Choose from Visa, MasterCard, and Amex cards with rewards and rates right for military members and their families.

  Learn Moreabout Credit Cards

• Explore competitive rates and learn more about available options for making your dream home a reality.

  Learn Moreabout Mortgages

When you’re prequalified for a credit card through a financial institution like us, it means we’ve screened whether you can become a cardholder. By providing us with a few pieces of information, we’re able to run a quick credit check (with no impact to your credit score) and see if you’re eligible to receive a specific card before submitting your application. That way, there’s less of a risk of being denied! 

More Prequalification FAQs

What information do you need from me?

We’ll pull your name, address, date of birth and Social Security number from your member profile. You’ll just need to answer 3 questions:

• Are you Active Duty?
• What’s your annual income?
• What’s your monthly housing expense?

How will you use the information you gather?

We’ll use your information to run a soft credit pull with the credit bureaus and confirm your identity. That’s it.

Is prequalification a guarantee I can receive this card?

Being prequalified for a credit card doesn't guarantee you can receive it. If your application isn’t approved, you’ll receive a letter from Navy Federal within 30 days explaining the reason why.

Is a prequalification the same as a preapproval?

A prequalification varies slightly from a preapproval. Both will determine whether you are eligible to be a cardholder, but a prequalification is typically generated by the member, while the financial institution generates a preapproval.

If you know you’ll maintain a balance on your credit card, you’ll want one with a low rate. Our Platinum card is the way to go.

Trustpilot

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This card is best for...

• Large Purchases Paid Off Over Time

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  Low Interest Rate

• Average to Excellent Credit

Rates, Fees & Rewards

• No annual fees
• No balance transfer fees
• No foreign transaction fees
• No cash advance fees

• Low interest rate

Platinum was recognized by GOBankingRates as the "Best Balance-Transfer Credit Card" of 2019.

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As of 11/09/2022, rates range from 8.99% APR to 18.00% APR, are based on 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. Balance transfer offer: Application must be submitted by 1/2/2023. Offer valid for balances transferred from non-Navy Federal credit cards within 60 days of account opening. Maximum total transfer amount is limited to your available credit line. Balance transfers using convenience checks are excluded from this offer. Interest will be charged on purchases made with your credit card unless your purchases have a 0% APR or you pay the entire balance, including any transferred balances made under this offer, in full each month by the payment due date. Offer excludes Navy Federal nRewards® Secured, Business and Home Equity Line Platinum credit cards. Limit of one promotional offer at account opening. Navy Federal reserves the right to change or end this offer at any time.

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As of 11/09/2022, 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 8.99% 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.

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The views expressed in the reviews are solely those of the individuals posting them. The testimonials are substantively the words of the individual reviewer, but may have undergone minor clerical revisions to ensure readability, add context, or protect private information. Any imagery displayed is for decorative purposes only and is not necessarily associated with the reviewer.

How do I get approved for a Navy Federal Credit Union credit card?

Do you get instant approval for Navy Federal credit card?

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Can you get a Navy Federal credit card?