Does Navy Federal do a hard pull to open account?

• 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.
   

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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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   • Credit Cards /
   • Credit Card Basics

   Prequalify for a Credit Card

   Are You Prequalified?

   • 

     cashRewards

     There’s nothing better than cash if you want the flexibility to choose where to use the rewards you earn.

     Apply Now for the cashRewards credit card.

   

   GO REWARDS®

   If you live life on the go, our GO REWARDS card is for you.

   Apply Now for the GO REWARDS® credit card.

   

   Platinum

   If you know you’ll maintain a balance on your credit card, you’ll want one with a low rate. Our Platinum card is the way to go.

   Apply Now for the Platinum credit card.

   

   Visa Signature® Flagship Rewards

   Get the most rewards with our top-tier credit card.

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   Navy Federal More Rewards American Express® Card

   Reward yourself for everyday spending with the More Rewards Card.

   Apply Now for the Navy Federal More Rewards American Express® Card credit card.

   

   nRewards® Secured

   The Navy Federal nRewards Secured credit card lets you earn rewards while building your credit.

   Apply Now for the nRewards® Secured credit card.

   More Prequalification FAQs

   What information do you need from me?

   We’ll pull your name, address, date of birth and Social Security number from your member profile. You’ll just need to answer 3 questions:

   • Are you Active Duty?
   • What’s your annual income?
   • What’s your monthly housing expense?

   How will you use the information you gather?

   We’ll use your information to run a soft credit pull with the credit bureaus and confirm your identity. That’s it.

   Is prequalification a guarantee I can receive this card?

   Being prequalified for a credit card doesn't guarantee you can receive it. If your application isn’t approved, you’ll receive a letter from Navy Federal within 30 days explaining the reason why.

   Is a prequalification the same as a preapproval?

   A prequalification varies slightly from a preapproval. Both will determine whether you are eligible to be a cardholder, but a prequalification is typically generated by the member, while the financial institution generates a preapproval.

   Does Navy Federal do a hard pull for credit?

   Rick Bormin, Personal Loans Moderator Yes, Navy Federal Credit Union does a hard inquiry when you apply for a loan. This credit report inquiry will likely drop your credit score by about 5 to 10 points, but you'll be able to get back on track with a few months of on-time payments.

   Do you need good credit to open a Navy Federal account?

   Navy Federal Credit Card Credit Score Requirements Navy Federal Credit Union GO REWARDS® Credit Card: 700 (Good credit). Navy Federal Credit Union Platinum Credit Card: 700 (Good credit). Navy Federal Credit Union More Rewards American Express® Credit Card: 700 (Good credit).

   Is it easy to get a Navy Federal account?

   How long does it take to get a Navy Federal account? Using our online application, you can apply for membership in about 10 minutes. You can even sign your children up for membership through our minor membership application. Give us a call at 1-888-842-6328 or visit a branch to apply in person.