Steps to Apply for Navy Federal credit card Online

The Navy Federal Credit Union is under the ownership of the National Credit Union Administration (NCUA). The Navy Federal memberships are granted to a restricted number of people and include the defense department and units of the United States.

What is Navy Federal Credit Card?

Different credit cards are offered by the body and if you are a member or desire a Navy Federal credit card, you must apply for it here. Each card has a bit of a different requirement and the first step must be to view the card types.

How to apply for a Navy federal credit card?

Here’s how you can apply for a Navy federal credit card.

Step 1. If you wish to apply for a credit card, you must first visit the given link.

Step 2. Click on the View Our Cards tab to view the cards.

navy federal credit card apply

Step 3. Scroll down on the new page to find out about the different types of cards. Read about the card details by clicking on the card detail tab, and to apply, click on the Apply tab.

navy federal credit card application

Step 4. Once you are happy about the details, you can either click on the Apply button from this screen or you can choose to go back to the previous screen to apply for the card.

Step 6. Once you click on the Apply tab, you will be taken to the sign-in page. Here, you will have to enter the username and password that you use for signing into the federal account.

Step 7. If you don’t have an account click on “Become a Member” button. Register Yourself with the navy federal by completing these four stages.

how to apply for navy federal

Eligibility- In this stage, you can check your eligibility for the card. Answer all the questions correctly.

Membership- In this stage, enter your personal information, contact details

Finish Setup- Choose the additional card benefits & Pay the Card application fee.

Credit Card Application- Agree with the terms and conditions by checking the box and then clicking on Agree button. This will complete the application process and then they will be back to you within 5 business days.


There are a few typical and a few special requirements for obtaining the Navy Federal credit card.

Typical RequirementsSpecial Requirements
You will need to have a high credit score of 693 or something close to this score.You need to be a member of the NFCU. Any family member including you with links to armed forces, national guards, or department of defense can apply.
The address you provide must be from the United StatesProof of income must be submitted for individuals below 21 years.
You must give your SSN (Social Security Number) or ITIN (Individual Tax Identification Number).You do not need to be employed to get this card but must be able to show some kind of income proof to get the card.
An individual must be a minimum of 18-years to receive the card.Debt level verification is done additionally for the issuance of the card.
Add proofs of your monthly rent, annual income, and mortgage payments, if any. 
Credit score and income level verification is done by the Navy 

Who is Eligible?

Eligible members are those who have the following criteria met.

  1. All service members of the defense forces including those entering through delayed entry program, officer/ROTC candidates, reservists, and even war veterans, retirees, and even annuitants.
  2. Family members include children and grandchildren of different members of the defense forces.
  3. Civilian employees of the defense forces.
  4. A bank account number and its corresponding routing number.
  5. Your home address and the driver’s license or any other government-approved ID.

 How to Pre-qualify for Navy Federal Card?

If you want to check if you pre-qualify here are the steps you need to do.

  1. Once you have come to the website as mentioned here, scroll down to check if you prequalify by pressing the prequalify tab.
credit card apply

2. Add your personal information, and then your financial information.

3. Press the submit tab to find out if you are eligible to apply for it.

Navy federal credit union secured credit card

The Navy Federal credit union secured credit card will have no rewards limit. Redeeming points is possible with the card alongside gift cards and other merchandise facilities. Your mobile phones can receive extra protection when using this card apart from additional benefits.


Here’s a bit about the Navy federal credit union credit card. Read about it and then go for the application process with a firm understanding of the application from this article.


  • I am Raj Singh and I am the author of handlewife website. I am a blogger and also a digital marketer. Contact me through the contact us page.

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