Platinum Credit Card Special Offer
Save on No-Fee Balance Transfers With a Low Intro APR
A balance transfer can make your payments simpler—and a Platinum card can help you save on them.
Get a 0.99% intro APR for 12 months from account opening on balances transferred within your first 60 days. After that, a variable APR between 10.24% and 18% applies. You'll also pay no balance transfer fees.Footnote [1]
Expires on Jan. 03, 2027
Rewards
- Lowest interest rate
Transfer Your Balances and Save
Example amount saved during 12-month intro APR: $1,868
| Issuer & Product | Example Balance | APR | Balance Transfer Fee | Interest Accrued Over 12 Months |
|---|---|---|---|---|
| NFCU Offer | $9,233 | 0.99% (Intro APR) | 0% (Competitors avg 4%) | $91 |
| Non-NFCU Offer | $9,233 | 21.22% (Current APR) |
— | $1,959 |
This table is for illustrative purposes; your situation may differ. Savings claim uses a $9,233 balance transfer amount, which was the average amount transferred to Navy Federal Platinum Cards within the first 60 days of account opening in 2025. The Interest Accrued amounts and the $1,868 example savings assume no additions to and no payments made toward the transferred balance during the 12-month intro APR period.
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WalletHub® rated Navy Federal Credit Union’s Platinum credit card as one of 2026’s Best Credit Cards With No Balance Transfer Fees.Footnote [2]
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TIME Magazine ranked Navy Federal Credit Union as the #1 credit card provider in America’s Best Financial Services.
Disclosures
As of 07/11/2026, rates range from 10.24% 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 01/03/2027. 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 Credit Cards. Limit of one promotional offer at account opening. Navy Federal reserves the right to change or end this offer at any time without notice.
↵As of 07/11/2026, rates range from 10.24% 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.
↵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.