Navy Federal Platinum Review: Zeros That Add Up to a Lot

It's a no-frills card that's decent for balance transfers. But you must be a Navy Federal Credit Union member to get it, and it earns no rewards.

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Our Take

4.3

NerdWallet rating 
The bottom line:

It packs an impressive combination of debt-zapping features that can be hard to find elsewhere, assuming you're eligible to apply.

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Navy Federal Credit Union Platinum Credit Card
Navy Federal Credit Union® Platinum Credit Card
Annual fee
$0
Regular APR
7.49%-18.00%, Variable
Intro APR
0% intro APR on Balance Transfers for 12 months
Rec. credit score
690-850 (Good - Excellent)

Methodology

NerdWallet reviews credit cards with an eye toward both the quantitative and qualitative features of a card. Quantitative features are those that boil down to dollars and cents, such as fees, interest rates, rewards (including earning rates and redemption values) and the cash value of benefits and perks. Qualitative factors are those that affect how easy or difficult it is for a typical cardholder to get good value from the card. They include such things as the ease of application, simplicity of the rewards structure, the likelihood of using certain features, and whether a card is well-suited to everyday use or is best reserved for specific purchases. Our star ratings serve as a general gauge of how each card compares with others in its class, but star ratings are intended to be just one consideration when a consumer is choosing a credit card. Learn how NerdWallet rates credit cards.