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You Could Save on Balance Transfers With a Low Intro APR

You can get a 0.99% intro APR for 12 months from account opening on balances transferred within 60 days. After that, a variable APR between 10.99% and 18% applies. Plus, no transfer fee.Footnote 1 See offer details.

Apply Now for the Platinum Credit Card

Not a member? Check your eligibility.

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.

Apply Now for this special intro offer

This card is best for...

  • Paying Off Large Purchases Over Time

  • Low Interest Rate

  • Average to Excellent Credit

Rates, Fees & Rewards

Rates

Purchase & Balance Transfer Variable APR between

10.99% - 18.00%Footnote 2

Terms & Conditions

Fees

  • No annual fee
  • No balance transfer fees
  • No foreign transaction fees
  • No cash advance feesFootnote 2

Rewards

  • Lowest interest rate

Features & Benefits

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.

Mastercard Standard MasterRental® Insurance Coverage

Visa Auto Rental Collision Damage Waiver Program

Included With All Navy Federal Credit Cards

  • 24/7 Help From Our US-Based Member Service Team
  • No Balance Transfer or Foreign Transaction FeesFootnote 3
  • Ability to Freeze and Unfreeze Your Cards
  • Access to Your Credit Score
  • Tap to Pay
  • Fraud Notifications*
  • An average credit card APR that’s 7.25 percentage points lower than the bank industry averageFootnote 4
  • Zero Liability Policy for Confirmed Unauthorized Transactions
  • Use Your Credit Card Before It Arrives in the Mail if You Qualify for a Digitally Issued Card

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

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.

Do You Prequalify?

If you’re already a member, you can find out if you prequalify before applying for a Navy Federal Credit Card.

This won’t affect your credit score. A prequalification does not guarantee approval when you apply. When you apply, we also consider factors such as your monthly debt-to-income ratio.

Prequalify Me for a credit card

Cardholder Resources

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Credit Card Learning Center

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Disclosures

1

As of 05/17/2025, rates range from 10.99% 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 submitted by 01/01/2026. 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 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.

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2

As of 05/17/2025, rates range from 10.99% 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. 

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3

As of 05/17/2025, cashRewards 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 10.99% 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.

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4

Credit card value claim based on an internal analysis of Navy Federal’s average credit card APR assigned to members compared to the bank industry average credit card APR in 2024. The 2024 bank industry average data was obtained from the Federal Reserve’s G.19 Consumer Credit data release.

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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.

Program excludes Navy Federal Business and Home Equity Line Visa® Platinum Credit Cards and Navy Federal Debit Cards.