Platinum Credit Card
Transfer to Platinum and Save—an Average of $2,020
Fees
- No annual fees
- No balance transfer fees
- No foreign transaction fees
- No cash advance feesFootnote [1]
Rewards
- Lowest interest rate
- No balance transfer feesFootnote [1]
This card is best for…
Paying off big buys over time
Low interest rate
Average to excellent credit
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. You'll also pay no balance transfer fees. After that, a variable APR between 10.24% and 18% applies.Footnote [2]
Expires on
Recognition worth a mention
Features & benefits
- Site go rewards Visa
- Guide (PDF) Platinum Visa
With your Navy Federal Visa® or Mastercard®, you automatically have Collision Damage Waiver (CDW) coverage when you rent a car for 15 days or less and pay for the rental with your covered rewards card. The CDW coverage is secondary to any other applicable insurance or coverage available to you.
Coverage includes physical damage and theft of the rental vehicle, reasonable towing charges, valid loss-of-use charges imposed by the auto rental company, as well as your deductible and any other eligible amounts not covered by other insurance. Only you, as the primary renter of the vehicle, and any additional drivers permitted by the auto rental agreement are covered.
Certain terms, restrictions and exclusions apply. For more information, please refer to your Auto Rental Insurance Guide. If you need a copy of the guide, please call 1-888-842-6328 or one of our international phone numbers.
It's help when you don't know where to turn. Count on a wide range of emergency services available whenever and wherever you need them, 24/7. This includes medical referral, lost luggage locator service and prescription assistance.
We'll make every reasonable effort to respond when you have an emergency, even if you need assistance beyond the services listed in your policy. Due to occasional problems such as distance, location or time, neither Visa nor Mastercard nor their service providers can be responsible for the availability, use, cost or results of any medical, legal, transportation or other service.
Certain terms, restrictions and exclusions may apply. For more information, please refer to your Benefits Guide. If you need a copy of the guide, please call 1-888-842-6328.
Learn more about additional travel, entertainment and shopping benefits.
Platinum Visa® Benefits
Platinum Mastercard Benefits
Do you prequalify?
If you’re already a member, you can find out if you prequalify before applying for a Navy Federal credit card.
A prequalification doesn’t guarantee approval when you apply. When you apply, we also consider factors such as your monthly debt-to-income ratio.
Balance Transfer Calculator
This calculator is for general education purposes only and is not an illustration of current Navy Federal products and offers.
Enter your current card balance, interest rate and your anticipated monthly payments. Then see what a lower interest rate on a Navy Federal card could save you if you transfer your balance to that card.
Transfer Your Balances and Save
Example amount saved during 12-month intro APR: $2,020
| Issuer & Product | Example Balance | APR | Balance Transfer Fee | Interest Accrued Over 12 Months |
|---|---|---|---|---|
| Navy Federal Platinum Credit Card | $9,810 | 0.99% (Intro APR) | 0% | $97 |
| Average Non-NFCU Credit Card | $9,810 | 21.58% |
— | $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 $2,020 example savings amount, assume no additions to and no payments made toward the transferred balance during the 12-month promo APR period.
Disclosures
As of 06/09/2026, 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.
↵As of 06/09/2026, 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 06/30/2026. 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 without notice.
↵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.
↵The views expressed in the reviews are solely those of the individuals posting them. The testimonials are substantively the words of the individual reviewer, but may have undergone minor clerical revisions to ensure readability, add context, or protect private information. Any imagery displayed is for decorative purposes only and is not necessarily associated with the reviewer.
↵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 $2,020 example savings amount, assume no additions to and no payments made toward the transferred balance during the 12-month promo APR period.