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.

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Rates, Fees & Rewards

Rates

Purchase & Balance Transfer Variable APR between

5.99% - 18.00%1

Terms & Conditions

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.

GoBanking Rates Best Balance Transfer Credit Cards 2019

Features & Benefits

  • Collision Damage Waiver
  • Travel and emergency assistance
  • Cell phone protection

Learn More about the Platinum credit card

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 FICO® Score3

 

Learn More about the benefits included with all Navy Federal credit cards

Cardholder Resources

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Credit Card Basics

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Disclosures

1

As of 3/2/20, rates range from 5.99% 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 accepted by 8/31/21. Offer valid for balances transferred from non-Navy Federal credit cards within 30 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. 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 or purchases made under this offer, in full each month by the payment due date. Offer excludes Navy Federal nRewards® Secured, Business and Home Equity Line Platinum credit cards. Limit of one promotional offer at account opening.

2

For all Navy Federal Credit Cards: As of 07/27/2021, rates range from 5.99% 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.

3

FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

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.