Platinum Credit Card
You Could Save on Balance Transfers With a Low Intro APR
Apply Now for the Platinum card View Offer Details for the Platinum cardThis card is best for...
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Large Purchases Paid Off Over Time
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Low Interest Rate
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Average to Excellent Credit
Rates, Fees & Rewards
Fees
- No annual fees
- No balance transfer fees
- No foreign transaction fees
- No cash advance fees
Rewards
- 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

Cardholder Resources
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Redeem Credit Card Rewards
Get the most out of your credit card. Redeem your rewards now.
Learn Moreabout Redeem Credit Card Rewards -
Member Deals
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
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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.
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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 -
Understanding Credit
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
Disclosures
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.
↵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.