Platinum Credit Card Special Offer
You Could Save Money on Interest With a Low-Intro APR Balance Transfer
Say hello to savings with a balance transfer and wave goodbye to transfer fees.
You can get a 0.99% intro APR for 12 months from account opening on balance transfers made within the first 60 days. And, kick those balance transfer fees to the curb—we don’t charge any! After that, a variable APR between 10.99% and 18.00% applies. Footnote 2
Expires on Jan. 01, 2026
Rewards
- Lowest interest rate
Transfer Your Balances and Save
See how much you could save with the Navy Federal Platinum card.
| Issuer & Product | Lowest Variable APR | Highest Variable APR | Standard Balance Transfer Fee | Foreign Transaction Fee |
|---|---|---|---|---|
| Navy Federal Platinum | 10.99%Footnote 1 | 18.00%Footnote 1 | 0%Footnote 1 | 0%Footnote 1 |
| PenFed Gold† | 17.99%†† | 17.99%†† | 3%†† | 0%†† |
| Citi Diamond Preferred† | 17.24%†† | 27.99%†† | 5%†† | 3%†† |
| US Bank Platinum† | 17.74%†† | 28.74%†† | 5%†† | 3%†† |
| Wells Fargo Reflect Card† | 17.24%†† | 28.99%†† | 5%†† | 3%†† |
†Excludes card issuers’ special promotions, rates and fees.
††Information accurate as of 02/03/2025. Refer to card issuers for current rates and fees.
Disclosures
As of 05/17/2025, rates range from 10.99% 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 05/17/2025, rates range from 10.99% 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 01/01/2026. Offer valid for balances transferred from non-Navy Federal credit cards within 60 days of account opening. Balance transfers are not eligible to earn rewards. 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.
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