Getting a Common Access Card (CAC) opens the door to secure DoD systems, military installations, and government networks. But before you can obtain this essential smart card, you need to understand who qualifies and what the application process involves.
This comprehensive guide covers everything you need to know about CAC eligibility requirements in 2025, from the different categories of eligible personnel to the step-by-step application process.
What is a Common Access Card (CAC)?
The Common Access Card is the standard identification card issued by the Department of Defense to active duty military personnel, reserve members, civilian employees, and eligible contractors. It serves three critical functions:
- Physical Access: Entry to military installations and secure facilities
- Digital Authentication: Secure login to DoD computer networks and systems
- Digital Signature: Legally binding electronic signatures on official documents
The CAC contains an embedded microchip that stores your identity certificates, making it one of the most secure forms of government identification available.
Who is Eligible for a CAC Card?
CAC eligibility falls into several distinct categories. Understanding which category applies to you determines your path to obtaining the card.
Active Duty Military Personnel
All active duty members of the following branches automatically qualify for a CAC:
- United States Army
- United States Navy
- United States Air Force
- United States Marine Corps
- United States Space Force
- United States Coast Guard
Reserve and National Guard Members
Selected Reserve and National Guard members are eligible when they have active orders or are in a drilling status. This includes:
- Army National Guard
- Air National Guard
- Army Reserve
- Navy Reserve
- Marine Corps Reserve
- Air Force Reserve
- Coast Guard Reserve
DoD Civilian Employees
Full-time and part-time civilian employees of the Department of Defense qualify for CAC cards, including those working for:
- Department of the Army
- Department of the Navy
- Department of the Air Force
- Defense agencies (DIA, NSA, DISA, etc.)
- DoD field activities
Government Contractors
DoD contractors can receive a CAC if their contract requires access to DoD facilities or computer systems. Eligibility requirements include:
- Valid contract with the Department of Defense
- Completed background investigation (NACI or higher)
- Sponsorship from a government official
- Legitimate need for physical or logical access
Other Eligible Personnel
Additional categories of CAC-eligible individuals include:
- ROTC cadets and midshipmen (contracted)
- Service academy students
- NOAA Commissioned Corps officers
- U.S. Public Health Service Commissioned Corps officers
- Foreign military personnel assigned to U.S. installations
CAC Eligibility Requirements Checklist
Before applying for your CAC, ensure you meet these fundamental requirements:
| Requirement | Description |
|---|---|
| DEERS Registration | Must be enrolled in the Defense Enrollment Eligibility Reporting System |
| Background Check | Completed FBI fingerprint check and appropriate investigation (NACI minimum) |
| Sponsorship | Government sponsor must verify your need for CAC access |
| Identity Documents | Two forms of ID (one must be a valid photo ID) |
| U.S. Person Status | Must be U.S. citizen, permanent resident, or authorized foreign national |
How to Apply for a CAC Card
The CAC application process involves several steps that must be completed in order:
Step 1: Verify DEERS Enrollment
Your information must be in the Defense Enrollment Eligibility Reporting System (DEERS) before you can receive a CAC. For military members, this happens automatically. Contractors and civilians need their sponsor to initiate enrollment.
Step 2: Complete Background Investigation
All CAC applicants must undergo a background check. The level of investigation depends on the access required:
- NACI (National Agency Check with Inquiries): Basic check for most positions
- Secret Clearance: Required for classified access
- Top Secret Clearance: Required for sensitive compartmented information
Step 3: Schedule RAPIDS Appointment
Use the RAPIDS ID Card Office Locator to find your nearest office and schedule an appointment. Walk-ins may be available but appointments are strongly recommended.
Step 4: Visit the ID Card Office
Bring the following to your appointment:
- Two forms of identification (see acceptable documents below)
- Completed DD Form 1172-2 (if applicable)
- Sponsorship documentation (for contractors)
Step 5: Biometric Enrollment
At your appointment, you’ll complete biometric enrollment including:
- Digital photograph
- Fingerprint capture
- PIN selection (6-8 digits)
Acceptable Identification Documents
You must present two forms of ID at your RAPIDS appointment. Acceptable documents include:
Primary Documents (Photo Required)
- Valid U.S. passport or passport card
- State-issued driver’s license or ID
- Previous CAC or military ID
- Permanent Resident Card (Green Card)
Secondary Documents
- Social Security card
- Original birth certificate
- Voter registration card
- U.S. military discharge papers (DD-214)
Watch: Understanding the CAC Application Process
This video explains how to verify your CAC is working properly after you receive it:
Common CAC Eligibility Questions
Can military dependents get a CAC?
No, military dependents receive a different card called the Dependent ID Card (DD Form 1173). This card provides access to military installations and benefits but does not include the smart card features of a CAC.
How long does the CAC application process take?
Once all requirements are met and you have a scheduled appointment, the actual card issuance takes about 15-30 minutes. However, the background investigation can take anywhere from a few days to several months depending on complexity.
Do retired military members keep their CAC?
Retired military members receive a Retired Military ID Card instead of a CAC. However, retirees who work as DoD contractors or civilians may qualify for a CAC through their employment.
Can I get a CAC if I have a criminal record?
A criminal record doesn’t automatically disqualify you from CAC eligibility, but it will be evaluated during your background investigation. Certain offenses may affect your ability to obtain the required security clearance.
CAC Eligibility for Contractors: Special Considerations
If you’re a government contractor seeking a CAC, keep these important points in mind:
- Contract Requirement: Your contract must specifically require CAC access
- Sponsor Responsibility: Your government sponsor (usually a Contracting Officer’s Representative) must initiate the process
- Continuous Need: You must demonstrate ongoing need for access throughout your contract period
- Background Investigation: Investigation costs may be borne by your company or the government depending on contract terms
Next Steps After Determining Eligibility
Once you’ve confirmed your CAC eligibility:
- Contact your Human Resources office or military personnel center
- Ensure your DEERS record is current and accurate
- Gather required identification documents
- Schedule your RAPIDS appointment
- Prepare your PIN (6-8 digits, no repeating or sequential numbers)
After receiving your CAC, you’ll need to install DoD certificates on your personal computer to access military websites and email from home.
Summary
CAC eligibility extends to active duty military, reservists, DoD civilians, and qualified contractors who have a legitimate need for access to Department of Defense systems and facilities. The key requirements include DEERS enrollment, background investigation completion, and proper sponsorship.
If you meet the eligibility criteria outlined in this guide, your next step is to schedule an appointment at your nearest RAPIDS office and bring the required documentation. The CAC you receive will serve as your key to accessing the full range of DoD resources and systems.
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