Platinum Credit Card
You Could Save on Balance Transfers With a Low Intro APRApply Now for the Platinum card View Offer Details for the Platinum card
This card is best for...
Large Purchases Paid Off Over Time
Low Interest Rate
Average to Excellent Credit
Do You Prequalify?
If you're already a member, you can find out if you prequalify for a credit card before you submit an application. This won't affect your credit score.
Rates, Fees & Rewards
Purchase & Balance Transfer Variable APR between10.74% - 18.00%1
- No annual fees
- No balance transfer fees
- No foreign transaction fees
- No cash advance fees
- Low interest rate
Our card is designed to help you gain control of your finances.
Platinum was recognized by GOBankingRates as the “Best Balance-Transfer Credit Card” of 2019.
Features & Benefits
- Collision Damage Waiver
- Travel and emergency assistance
Included With All Navy Federal Credit Cards
- 24/7 access to stateside member reps
- No balance transfer or foreign transaction fees2
- Ability to freeze and unfreeze your cards
- Zero Liability policy for unauthorized transactions
- Fraud notifications*
- Access to your credit score
Learn More about the benefits included with all Navy Federal credit cards
Redeem Credit Card Rewards
Get the most out of your credit card. Redeem your rewards now.Learn Moreabout Redeem Credit Card Rewards
Use your credit card to shop our online Member Deals. You'll get higher rewards just for purchasing through Member Deals, free shipping from certain retailers, exclusive offers and other perks.Learn Moreabout Member Deals
Get Your Credit Score
Stay on top of your credit. Sign in to your Navy Federal account to easily view your credit score.Learn Moreabout Get Your Credit Score
Credit Card Basics
How to Apply for a Credit Card
Demystify the application process. Learn how to apply, how long the process takes and what the impact will be on your credit.Learn Moreabout How to Apply for a Credit Card
How Credit Cards Work
Credit cards are valuable tools to establish and build credit. Learn how they work and how to use them responsibly.Learn Moreabout How Credit Cards Work
Visit MakingCents to learn what affects your credit score and how you can build a strong credit history.Learn Moreabout Understanding Credit
How to Do a Balance Transfer
Learn how you can move your current credit card balance to a Navy Federal card to consolidate debt and potentially lower payments.Learn Moreabout How to Do a Balance Transfer
As of 05/31/2023, rates range from 10.74% 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 08/31/2023. 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, 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.↵
As of 05/31/2023, nRewards® Secured card rate is 18.00% APR and will vary with the market based on the U.S. Prime Rate. All other Navy Federal Credit Card rates range from 10.74% APR to 18.00% APR, are based on product type and 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. $49 annual fee for Visa Signature® Flagship Rewards.↵
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