No, you are not required to apply for a Nav Prime Card with Nav Prime. You can still use the other features of Nav Prime without a Nav Prime Card.

If you are declined for the Nav Prime Card, you can continue to leverage Detailed Credit Reports to gain insights you can act on related to your financial health profile to help assure your business is viewed with strong financial responsibility in the eyes of lenders, creditors, and other business partners. We also continue to report your monthly payments towards Prime as a tradeline.

Nav Technologies, Inc. is a financial technology company and not a bank. Banking services provided by Blue Ridge Bank, N.A., and Thread Bank, Members FDIC. The Nav Visa® Business Debit Card is issued by Blue Ridge Bank, N.A., and the Nav Prime Charge Card is issued by Thread Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa cards are accepted. Your funds are FDIC-insured up to $250,000 through Blue Ridge Bank, N.A., Member FDIC.