How to Activate Your Navy Federal Card?

If you’re a member of Navy Federal Credit Union, congratulations on your new credit card! Before you can start using it for purchases, you’ll need to activate the card. Don’t worry, the process is quick and easy. In this guide, we’ll walk you through the simple steps to get your Navy Federal card up and running in no time.

What You’ll Need

To activate your new Navy Federal credit card, make sure you have the following information handy:

  • Your 16-digit card number
  • The expiration date on the card
  • The 3-digit CVV security code on the back of the card
  • Your Social Security Number (SSN)

Having these details ready will make the activation process a breeze.

3 Simple Ways to Activate Your Card

Navy Federal offers three convenient methods to activate your credit card:

  1. By Phone: Call the activation line at 1-888-842-6328. Follow the automated prompts and provide the requested information.
  2. Online: If you already have an online account with Navy Federal, simply log in at If you don’t have an online account yet, it only takes a few minutes to register for one. Once logged in:
    • Go to “Account Services”
    • Enter your card details (number, expiration, CVV)
    • Provide your SSN and date of birth when prompted
    • Submit the information to complete the activation
  3. Mobile App: The Navy Federal mobile app makes card activation a tap away. If you haven’t already, download the app from the App Store or Google Play. Log into your account and navigate to the card activation section.

Whichever method you choose, the whole process usually takes less than a minute. Once complete, sign the back of your card and you’re ready to make purchases!

Benefits of the Navy Federal Mobile App

The Navy Federal mobile app is a powerful tool that puts account management at your fingertips 24/7. In addition to activating your card, the app allows you to:

  • Check your account balances
  • Deposit checks
  • Transfer money between accounts
  • Locate nearby ATMs or branches
  • Pay bills on the go
  • Update your card PIN

Take full control of your Navy Federal accounts anytime, anywhere with the mobile app.

Helpful Tips & FAQs

Where can I use my Navy Federal card?

Your Navy Federal credit card is accepted worldwide wherever Visa is accepted. This includes millions of retailers, restaurants, online stores, and more. You can also use your card at any ATM, although fees may apply for out-of-network ATMs.

Is my Navy Federal card ready to use immediately after activation?

Yes, once you complete the card activation, your Navy Federal credit card is ready for use. However, it’s always a good idea to sign the back of the card before making your first purchase.

What if I have trouble activating my card?

If you encounter any issues during the activation process, don’t hesitate to contact Navy Federal’s helpful support team. You can reach them by:

  • Phone: 1-888-868-8123 (U.S.) or 1-703-255-8699 (International)
  • Email: Through the “Messages” tab after logging into your online account

Representatives are available Mon-Fri 7:30am-11:00pm ET and Sat-Sun 10:00am-6:30pm ET.

How do I change my PIN?

You can easily update your card PIN via the mobile app, online account access, or any Navy Federal ATM. To change your PIN at an ATM, simply insert your card, enter your current PIN, and follow the on-screen instructions to set a new one.

Enjoy Your New Credit Card!

We hope this guide has helped you quickly activate your Navy Federal credit card. Now that your card is ready to go, you can enjoy all the benefits and rewards it offers. Happy shopping!

For more information about your specific card features and benefits, please visit or consult your cardholder agreement. If you have additional questions, the friendly Navy Federal support team is always happy to help.