Get a Low APR on Balance Transfers for 12 Months

As a valued Navy Federal credit cardholder, you can achieve financial victory with a 1.99% APR on balance transfers for 12 months. After that, your standard variable purchase APR applies.1 Just transfer balances from other lenders to your existing Navy Federal Credit Card.

Don’t forget—with our cards, you won't pay balance transfer fees.

Faned Credit Card

Transfer Your Balances and Save:Ɨ

See how much you could save on fees when you transfer a balance to a Navy Federal card.

Issuer Standard Balance Transfer Fee Total Fees
Navy Federal 0% $0
USAA® 3% $225
Discover® 3% $225
Chase® 5% $375

Note that numbers above are based on balance transfer amount of $7,500. Balance transfer fees accurate as of Dec. 17, 2019.

Don’t miss out on this great opportunity—transfer your balances by March 2, 2020.

How to Transfer Your Balance

You’ll need the name and address of the other financial institution, your account number at that financial institution and the amount you’re transferring.

Transfer Today for credit card balance transfer.


To initiate a balance transfer online, sign in to online banking, select the “Transfers” tab, then “Make a Credit Card Balance Transfer".

Balance Transfer Online


To initiate a balance transfer through the mobile app,* sign in to mobile banking and select the card you’d like to transfer to from your "Accounts" Screen. Tap the blue "More" button next to your account balance and select "Balance Transfer".

Balance Transfer Mobile

Things to Note:

Continue making your normal payments on the balance you’re transferring. It could take up to 14 business days for the balance transfer process to complete. Contact us if you receive an error message when transferring your balance. Transfer from another lender to your Navy Federal Credit Card. Transfers can’t be made from a Navy Federal Credit Card to another Navy Federal card.

Hurry—offer expires March 2, 2020.

Transfer Todayto a new credit card

Continue to Enjoy:

  • no foreign transaction fees
  • 24/7 access to stateside member reps
  • fraud protection and notifications*
  • digital banking anytime, anywhere*


1 This offer is non-transferable and is valid for the intended recipient only. This means that only members who receive this offer directly from Navy Federal are eligible to accept the offer. Balance transfer offer: Offer valid for balances transferred from non-Navy Federal credit cards by 3/2/2020. Balance transfers are not eligible to earn rewards. Maximum total transfer amount is limited to your approved credit line, but no single balance transfer can be greater than $30,000. Balance transfers using convenience checks are excluded from this offer. If you transfer a balance with this offer, interest will be charged on purchases made with your credit card unless your purchases have a 0% APR or you pay the entire balance (including any transferred balances) in full each month by the payment due date. To avoid paying interest on purchases, you must pay your entire balance by the next due date, including balances transferred under this promotion. If you transfer a balance to an existing Navy Federal Credit Card, you will receive a 1.99% APR on the balance transferred for 12 months. After that, your standard variable purchase APR will apply to any balance remaining. You may transfer a balance to an existing Navy Federal Credit Card by signing in to your account online, calling 1-888-842-6328, or visiting a branch office. Offer excludes Navy Federal Business, Home Equity Line Platinum and nRewards® Secured credit cards.