Navy Federal Credit Union® Platinum Credit Card

Navy Federal Credit Union® Platinum Credit Card

Navy Federal Credit Union® Platinum Credit Card

Navy Federal Credit Union® Platinum Credit Card

Navy Federal Credit Union® Platinum Credit Card

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Card details

  • Transfer your non-Navy Federal balances within 60 days of getting a Platinum card, and you'll pay 0% intro APR on the balance transfer for 12 months. After that, a variable APR between 7.49% and 18% applies. Plus, you won't pay any balance transfer fees. Expires on Aug. 31, 2022.

  • No annual fees

  • No balance transfer fees

  • No foreign transaction fees

  • No cash advance fees

Rates, fees & offers

  • Annual fee

    $0

  • Rewards rate

    N/A

  • Bonus offer

    N/A

  • Intro APR

    0% intro APR on Balance Transfers for 12 months

  • Ongoing APR

    APR: 7.49%-18.00%, Variable

    Penalty APR: Up to 18.00%, Variable

    Cash Advance APR: 20.00%, Variable

  • Foreign transaction fee

    None

Recommended credit score

Compare to other cards

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
Learn more
Annual fee

$0

Annual fee

$75

Annual fee

$0

Regular APR

7.49%-18.00%, Variable

Rates & Fees

Regular APR

18.24%-26.24% Variable APR

Regular APR

15.49%-23.49% Variable APR

Rates & Fees

Intro APR

0% intro APR on Balance Transfers for 12 months

Intro APR

N/A

Intro APR

0% intro APR on purchases for 12 months from the date of account opening

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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NerdWallet review

By Robin Saks Frankel

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

Rating details

4.3

Editor's overall rating

Pros and cons

Pros
  • No annual fee

  • Intro APR period

  • No balance transfer fee

  • No foreign transaction fees

Cons
  • Must be a member/customer

  • No new cardholder bonus offer

  • No rewards

For those looking to zap some high-interest debt, the Navy Federal Credit Union® Platinum Credit Card features a triple-zero punch of money-saving features: a $0 annual fee, a 0% intro APR offer for balance transfers, and $0 in balance transfer fees.

There's no such intro APR for purchases, but the card still offers a potentially low ongoing rate for those who can qualify: 0% intro APR on Balance Transfers for 12 months, and then the ongoing APR of 7.49%-18.00%, Variable APR.

It doesn't earn rewards, and you must be a Navy Federal Credit Union member to get the card.