The Navy Federal Visa Gift Card gives you a flexible and convenient way to pay for purchases across the United States. You can use it anywhere Visa Debit Cards are accepted, except in U.S. territories. The card comes loaded with a fixed amount and lets you make multiple purchases until the balance reaches zero.
Unlike store specific gift cards, your Navy Federal Visa Gift Card works at millions of locations, both in stores and online, making it a useful option for gifts and everyday spending.
A Brief History of Navy Federal Credit Union
Navy Federal Credit Union began at the end of the Great Depression when seven Navy Department employees came together to help themselves and their coworkers achieve financial stability. Their goal was to provide affordable loans, safe savings options, and dividend earning opportunities. That shared effort grew into one of the largest credit unions today. You can learn more about their services on navyfederal.org.
How Can You Buy a Navy Federal Visa Gift Card?
You can purchase a Navy Federal Visa Gift Card online or in person at a Navy Federal branch within the United States.
Buying a Gift Card Online
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No purchase fees
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Cards can be personalized with a name and message
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Physical cards available from $10 to $500
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Digital cards available from $10 to $200
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Pay using a Navy Federal debit card or credit card
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Standard delivery takes 7 to 10 business days
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Express delivery takes 3 to 4 business days
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Digital cards arrive within minutes
You can start an online purchase through navyfederal.org/mygiftcard.
Buying a Gift Card at a Branch
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No purchase fees
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Available in amounts from $10 to $500
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Pay using cash, checking, savings, debit, or credit card
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Cards are available at all domestic branches
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U.S. territories are excluded
How Do You Activate Your Navy Federal Gift Card?
Activating your Navy Federal Gift Card is simple. The process depends on whether the card is personalized.
If Your Card Has Your Name on It
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Select Activate
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Enter your card details
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Follow the on screen instructions
If Your Card Does Not Have a Name
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The card activates automatically within one business day
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No manual activation is required
Register Your Gift Card for Online or Phone Purchases
To use your card online or over the phone, you must register it with your personal details.
Steps to register:
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Go to navyfederal.org/mygiftcard
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Sign in to your card account
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Click My Profile under My Settings
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Enter your name, address, and phone number
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Save your information
Fields marked with an asterisk are required, while others are optional.
Important Rules You Should Know
Your Navy Federal Visa Gift Card:
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Is not reloadable
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Cannot be used once the balance reaches zero
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Requires you to pay any amount that exceeds the available balance
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Should be checked for balance before every purchase
Navy Federal may decline transactions if you attempt to use the card:
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To withdraw cash or ATM access
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For gambling or illegal activity
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For recurring or pre authorized payments
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For cash back at POS locations
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Outside the United States or in U.S. territories
Once a transaction is completed, you cannot stop payment. Navy Federal also reserves the right to decline transactions that may pose legal or financial risk. More details are available on navyfederal.org.
Card Expiration Details
Your gift card funds expire on the same date printed on the front of the card. You can continue using the card until:
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The expiration date arrives
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The full balance is spent
Gift cards sold at Arizona branches are exempt from fund expiration. If funds remain, you may request a replacement card.
How Does Your Navy Federal Visa Gift Card Work?
You can use your card at millions of U.S. locations that accept Visa Debit Cards.
Before your first purchase:
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Sign your name on the back of the card
At checkout:
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Select Credit and sign the receipt
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Or select Debit and enter your PIN if prompted
Each purchase deducts from your balance automatically. The card does not provide credit, so keeping track of your balance is important.
Frequently Asked Questions
1. Do you need to activate a Navy Federal Gift Card before using it?
Yes, personalized cards require manual activation, while non personalized cards activate automatically.
2. Can you use a Navy Federal Gift Card online?
Yes, but you must register your name and address first.
3. Can you reload a Navy Federal Visa Gift Card?
No, the card is not reloadable.
4. Where can you use the Navy Federal Gift Card?
You can use it anywhere Visa Debit Cards are accepted in the United States.
5. Does the Navy Federal Gift Card expire?
Yes, the funds expire on the date printed on the card, with limited state exceptions.
6. Can you withdraw cash using the gift card?
No, cash withdrawals and ATM use are not allowed.
