What are the Navy Federal credit card approval requirements?

The Navy Federal credit card approval requirements include a credit score of at least 700, in most cases; this is considered “good” credit. Other Navy Federal credit cards require a credit score of 750, i.e. excellent credit. Ultimately, Navy Federal also offers options for people with bad credit. You also have to be an NFCU member to apply for one of their credit cards.

Perhaps most importantly, Navy Federal will also verify your credit history and ability to pay. Your credit score, income, debt level and other factors will help determine if you’re approved. This information will also play a role in setting your interest rate and credit limit.

Navy Federal Credit Card Credit Score Requirements

• Navy Federal Credit Union Visa Signature® Flagship Rewards Credit Card: 750 (Excellent credit).
• Navy Federal Credit Union cashRewards Credit Card: 700 (Good credit).
• 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).
• Navy Federal Credit Union nRewards® Secured Credit Card: 300 (Bad credit).

What Makes You Eligible for NFCU Membership

To apply for a Navy Federal Credit Union credit card, you also have to be an NFCU member. To be eligible for NFCU membership, you or one of your family members must have ties to the armed forces, National Guard or Department of Defense. This includes active-duty personnel, officer candidates, reservists and veterans. If none of these apply, call (888) 842-6328 or visit a local Navy Federal branch for assistance.

Information Required for Navy Federal Credit Card Applications

There is a lot of information required on NFCU credit card applications. You will have to provide your name, address and birthdate, for starters. The address must be a physical U.S. location and not a P.O. Box. You also need to list either your Social Security Number (SSN) or Individual Tax Identification Number (ITIN). Applicants must be U.S. citizens and at least 18 years old to be eligible. If you’re under 21, you need proof of an independent income sufficient enough to make payments.

All applicants must include their employment status, monthly rent or mortgage payment, and annual income. You don’t need a full-time job to qualify for a card, but you will need to report the sources of any income. This could be part-time salary or wages, rental income, retirement benefits, interest and/or dividend income, and more.

Would like to add, I have been a member of NFCU since 2014. Have been rebuilding my credit , paid off a few collections. I applied for the NFCU Cash Rewards with a 620 FICO and was approved for the Visa Signature Cash Rewards with a $6200 credit limit. I think they take into account more than just your score. I am nowhere near 700 right now.

I was recently approved for a NFCU with a limit is $6600. I have a bankruptcy from 4 years ago still on my credit. I've been a member for 6 years with NFCU. My Equifax is 550, FICO 9 from Experian is 588.  Not sure what TU is. You can always go to the NFCU site and see what you prequalify for without affecting your credit. 

I've had NFCU for about 3 years now & after reading the reviews here, I said my scores are better than some posted so I applied. BOOM approved for 3,000!!! My apr is at 18% which is high but I'll get them to lower it later. I'm excited about this opportunity! Tu 615, eq 640, exp 617

I just joined cs is 611 approved for more rewards card at 3200

No, but you have to have some connection to an NFCU existing member, ie; spouse, room mate, sibling, etc

All the data you want about Navy FCU cards is here:

https://ficoforums.myfico.com/t5/Credit-Card-Applications/Navy-Federal-Datapoints-Thread-for-Membership-CLIs-and-Credit/td-p/6336608

You need to be a NFCU member or military or a family member in the military