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

  • Enjoy the lowest rate of Navy Federal Credit Union's credit cards

  • 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

    None.

  • Intro APR

    0% intro APR on balance transfers for 12 months

  • Ongoing APR

    APR: 5.99%-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 
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Annual fee

$0

Annual fee

$95

Annual fee

$0

Regular APR

5.99%-18.00%, Variable

Rates & Fees

Regular APR

15.99%-22.99% Variable APR

Regular APR

14.99%-24.99% Variable APR

Intro APR

0% intro APR on balance transfers for 12 months

Intro APR

N/A

Intro APR

0% intro APR for 15 months on purchases and balance transfers

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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NerdWallet review

By Robin Saks Frankel

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 5.99%-18.00%, Variable.

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