Platinum Credit Card Special Offer
Save on Balance Transfers With a Low Intro APR and $0 Transfer Fee
Start your year spending less on debt—transfer your balance fee-free!
Get a 0% intro APR for 12 months from account opening on balances transferred within your first 60 days. You'll also pay no balance transfer fees. After that, a variable APR between 10.49% and 18% applies.Footnote [2]
On average, members save $2,117 over the intro period by transferring their balance to the Navy Federal Platinum Card.Footnote [3]
Expires on Mar. 31, 2026
Rewards
- Lowest interest rate
Transfer Your Balances and Save
Example amount saved during 12-month intro APR: $2,117
| Issuer & Product | Example Balance | APR | Balance Transfer Fee | Interest Accrued Over 12 Months |
|---|---|---|---|---|
| Your Navy Federal Platinum Credit Card | $9,810 | 0% (Intro APR) | 0% | $0 |
| Average Non-NFCU Credit Card | $9,810 | 21.58% (Current Average APR) |
4% (Competitor Average) |
$2,117 |
This table is for illustrative purposes; your situation may differ. Savings claim uses a $9,810 balance transfer amount, which was the average amount transferred to Navy Federal Platinum cards in 2024. The Interest Accrued amounts, and the $2,117 example savings amount, assume no additions to and no payments made toward the transferred balance during the 12-month promo APR period.
WalletHub® rated Navy Federal Credit Union’s Platinum credit card as one of 2025’s Best Credit Cards With No Balance Transfer Fees.Footnote [4]
Disclosures
As of 01/05/2026, rates range from 10.49% APR to 18.00% APR, are based on creditworthiness, and will vary with the market based on the U.S. Prime Rate. ATM cash advance fees: None if performed at a Navy Federal branch or ATM. Otherwise, $0.50 per domestic transaction or $1.00 per foreign transaction.
↵As of 01/05/2026, rates range from 10.49% APR to 18.00% APR, are based on creditworthiness, and will vary with the market based on the U.S. Prime Rate. ATM cash advance fees: None if performed at a Navy Federal branch or ATM. Otherwise, $0.50 per domestic transaction or $1.00 per foreign transaction. Balance transfer offer: Application must be submitted by 03/31/2026. Offer valid for balances transferred from non-Navy Federal credit cards within 60 days of account opening. 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 made under this offer, in full each month by the payment due date. Offer excludes Navy Federal Home Equity Line Platinum Credit Cards. Limit of one promotional offer at account opening. Navy Federal reserves the right to change or end this offer at any time.
↵Savings claim uses a $9,810 balance transfer amount, which was the average amount transferred to Navy Federal Platinum cards in 2024. The Interest Accrued amounts, and the $2,117 example savings amount, assume no additions to and no payments made toward the transferred balance during the 12-month promo APR period.
↵Selected from 1,500+ credit cards for May 2025. Irrespective of whether an institution is a paid advertiser, the presence of information on WalletHub does not constitute a referral or endorsement of the institution by WalletHub or vice versa.
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