How much does it cost to get a new card from Navy Federal?

• Credit Cards /
• Credit Card Basics

Interested in getting a Navy Federal Credit Card? We’re here to answer any questions you have about the application process.

1. Step 1

   Apply for a Card

   You'll have to supply some personal information on the application, including your annual income and housing information. You can add an authorized user if you like, but you'll also have the option to do this later. Keep in mind that you need to be a Navy Federal member before applying for one of our cards.
   

   View Our Cards

2. Step 2

   Credit Check

   We’ll contact one of the three major credit bureaus to check your credit history. Your credit score and other factors (like how much debt you already have) will help determine if you’re approved, your interest rate and your credit limit.
   

   The credit bureau inquiry results in a “hard pull” and could impact your credit score depending on how many times you’ve recently applied for credit. The effect on your credit score is determined by the credit bureau standards.
   

3. Step 3

   Text Approval

   If we have a phone number on file for you and you’re approved, we’ll send you a text letting you know our decision.
   

4. Step 4

   If You’re Not Approved

   If your application isn’t approved, you’ll receive a letter within 30 days explaining the reason.
   

   Didn’t qualify for the card you wanted? Consider our nRewards® Secured card—a great option for building and improving credit. Or, visit MakingCents for resources to help you get back on track.
   

5. Step 5

   Get Your New Card

   Look for your card in the mail within 7 to 10 days of your approval. You’ll also find out what terms you’re approved for, like interest rate and spending limit.

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   • Prepaid & Gift Cards

   GO Prepaid Card

   Manage Account for GO Prepaid

   Load. Spend. Reload.

   The GO Prepaid card is the perfect solution for easy budgeting. Stay on top of expenses for families, domestic partners, roommates, teams and others, or teach teens responsible spending habits.

   Get a Card

   Features & Benefits

   • No monthly, activation or purchase fees
   • Simple setup for additional cardholders
   • Convenient mobile app*
   • Dependable ATM access
   • Secure mobile wallet and EMV chip technology
   • Powerful protection by our Zero Liability policy
   • Total card load limit of $10,000

   How It Works

   • Load money onto the GO Prepaid card with the mobile app* or online.
   • Shop online or in stores—anywhere Visa® Debit Cards are accepted.
   • Track purchases, check the account balance and reload the card online or with our mobile app.
   • Authorize other Navy Federal members to add money to the card.

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   Spending and Card Limits

   • Point-of-Sale Limit: $3,000 per day
   • ATM Withdrawal Limit: $600 (Account Owners can customize limits for other cardholders)
   • Total Card Load Limit: $10,000
   • Number of Cards: You can add up to 5 cardholders. Keep track of family spending or shared expenses.
      

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   Additional Cardholders

   You can add up to 5 cardholders with their own separate funds—great for your senior parent, significant other, caregiver, nanny or others! Simply sign in to navyfederal.org/mygoprepaid, and from the My Account dropdown menu, select Add a Cardholder. Cardholders must be age 13 or older and hold a valid Social Security Card.

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   Download the Navy Federal GO Prepaid Mobile App*

   Stay up to speed on your accounts, anywhere and anytime, with our new, updated mobile app.

   • View past, current and available balances
   • Load funds anytime with your Navy Federal Visa or Mastercard® Debit or Credit Card
   • Locate the nearest branch, ATM and Visa ReadyLink location

   Your personal account information is always protected, keeping your mobile transactions safe. Available on:

   • Navy Federal Prepaid App on the App Store

   • Navy Federal Prepaid App on Google Play

   Still have questions? Visit our GO Prepaid card FAQs.

   Disclosures

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   1

   You won’t be charged a monthly fee for opening or using the GO Prepaid card. However, after 6 months of no transactions, your account will be charged an inactivity fee of $1.00 per month until the balance reaches $0 or you make a transaction. Please see the GO Prepaid card fee information and Terms and Conditions for more information.

   Can I get a new card same day Navy Federal?

   Get your new or replacement debit card instantly at all Navy Federal branches, both domestic and overseas. Cards are issued on the spot, active and ready to use.

   How do I replace my Navy Federal card?

   How do I request a new or replacement card and PIN? To get started on this, please send us a secure message through online banking or call us at 1-888-842-6328.

   How much does Navy Federal charge for debit cards?

   The daily transaction limit for purchases is $3,000 for all types of checking accounts with the exception of Flagship Checking, which has a daily purchase transaction limit of $5,000.

   Does Navy Federal replace debit cards?

   If your card was lost or stolen, freeze it, then contact us immediately. We'll cancel the missing card and send you a new one. If you simply need a replacement card, you can order it using one of the methods below.