Exclusive Offer for Current Cardholders

Pay down your credit card balance and watch it disappear with a 1.99% APR on balance transfers for 12 months. After that, your standard variable APR applies.1

Just transfer your balance from another lender to your existing Navy Federal Credit Card.

Continue to Enjoy

  • No balance transfer or foreign transaction fees
  • A credit card APR average that’s 4% lower than the industry’s
  • 24/7 access to stateside member reps
  • Fraud protection and alerts*
  • Digital banking anytime, anywhere*
Transfer Your Balance and Save.

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

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

Note that numbers above are based on balance transfer amount of $7,500. Balance transfer fees accurate as of Nov. 19, 2018.

Don’t miss out on this great opportunity—transfer your balance by Feb. 28, 2019.

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.


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


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 "Manage Card," and then select "Balance Transfer" in the Maintenance section.

1Offer valid for balances transferred from non-Navy Federal Credit Cards between 1/2 and 2/28 of 2019. Balance transfers are not eligible to earn rewards. Navy Federal reserves the right to refuse duplicate balance transfer requests. Maximum total transfer amount is limited to your available credit line. 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. 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 and Home Equity Line Platinum credit cards.

36343-ALL-199BT12-LP (1-19)