Visa Awards Card FAQs (2024)

You can use your Card to pay for purchases at millions of places that accept Visa Debit Cards in the United States (U.S. territories are excluded). Awards Cards can't be used overseas or for recurring bill payment transactions

How to use your card:

• Before making your first purchase, sign the back of the Awards Card.
• When ready to pay, select CREDIT and sign the receipt. Or, select DEBIT, if prompted, and enter your PIN.
• Each time you make a purchase, the amount is automatically deducted from the Card balance. It’s important to keep track of your balance. The Card doesn’t offer a line of credit like a credit card.

With your Navy Federal Awards Card in hand, visit our Awards Card page and click "Activate My Card". If this is a new Awards Card, you’ll be required to create a 4-digit PIN and create a username to sign in to our Awards Card page.

Once signed in, to register your Card, click "My Profile" under the "My Settings" drop-down menu, and enter your name, address and phone number.

Note: The fields marked with an asterisk (*) are required. All other fields are optional.

Registering your Navy Federal Awards Card has several benefits:

• Enables you to make purchases online and by phone. Most online retailers don’t accept payments without a valid "billing" address.
• Lets Customer Service Representatives assist you more quickly when you need help.
• Protects you if your Card is ever lost or stolen, so you can be reimbursed for unauthorized purchases

Registering your Awards Card helps Navy Federal assist you more quickly if your Card is lost or stolen. If you haven’t registered your Awards Card, or you don’t know the 16-digit Card number, please sign in to online banking at navyfederal.org and send us a message with your information, or call us immediately at 1-888-842-6328.

If your Awards Card was previously registered, report a lost or stolen Card immediately by calling 1-866-809-2679. You may also write to us at Visa Debit Processing Service, P.O. Box 026098, Miami, FL 33103. If you tell us within 2 business days after you discover the loss or theft of your Card, you won’t be liable for losses if your Card was used without your permission. If you don’t tell us within 2 business days, you may be liable.

To request a replacement Awards Card, you’ll need to provide the entire 16-digit Card number for it to be canceled and a replacement issued.

To ensure authorized use of your Navy Federal Awards Card, be sure to sign the back of the Card before using.

To check your balance online, visit our Awards Card page, enter your username in the "Username" field and click "Sign In". If you haven't created a username for your Card, select "Need Username?" under the "Username" field.

It's important to know your remaining balance before you make a purchase. Your purchase could be denied if it's greater than your balance. Keep a record of your purchases and remaining balance.

Using your Navy Federal Awards Card is similar to using a debit card. When you’re ready to pay, select CREDIT, sign the receipt and you’re all set. Or, select DEBIT if prompted and enter your PIN.

Each time your Card is used for a purchase, that amount is automatically deducted from your balance. It’s recommended that you know your balance before making a purchase because some merchants won’t be able to provide that information.

To make a purchase in an amount greater than the available balance, you‘ll need to use a second form of payment to cover the difference.

Tell the cashier the amount you’d like applied to your Navy Federal Awards Card, then pay the balance with your second payment method.

You can use your Navy Federal Awards Card at millions of places that accept Visa Debit Cards, including retail stores, online merchants and over the phone. Awards Cards are only valid in the United States (U.S. territories are excluded).

You can't use Awards Cards overseas or for recurring bill payment transactions.

Yes. You can authorize your transaction for an additional 20% above your total bill. The tip amount is your choice.

Be sure the balance on your Card is enough to cover the bill and the tip. If not, the transaction will be declined.

Yes. To make an online or phone purchase, you'll need to register your Card by visiting our Awards Card page, entering your username in the "Username" field and clicking "Sign In". If you haven't created a username for your Card, select “Need Username?” under the “Username” field.

After signing in, select "My Profile's under "My Settings" and enter your name, address and phone number.

When you make an online or phone purchase, the name, address and phone number you use must be exactly the same as the information you provided when registering your Card. If the information is different, the transaction may be declined.

Card Program Fees

Note: Navy Federal Awards Cards aren't connected to any personal checking or savings accounts; therefore, any fees assessed will only be charged to the Navy Federal Awards Card.

If you’ve forgotten your PIN, visit our Awards Card page, enter your username in the "Username" field and click "Sign In". If you haven't created a username for your Card, select “Need Username?” under the “Username” field.

Once signed in, select "My PIN" under the "My Settings" drop-down menu, and then select "Forgot PIN".