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You Could Save on Balance Transfers With a Low Intro APR

Apply Now for the Platinum card View Offer Details for the Platinum card

If you know you’ll maintain a balance on your credit card, you’ll want one with a low rate. Our Platinum card is the way to go.

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.

Prequalify Me for a credit card

Rates, Fees & Rewards

Rates

Purchase & Balance Transfer Variable APR between

10.74% - 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.

2023 Best Balance Transfer Credit Cards - GoBankingRates CardCritics

Features & Benefits

  • Collision Damage Waiver
  • Travel and emergency assistance

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 credit score

 

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 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.

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2

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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