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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 11.49% and 18% applies.Footnote 1 See offer details.

Apply Now for the Platinum Credit Card

Not a member? Join today.

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

11.49% - 18.00%Footnote 2

Terms & Conditions

Fees

  • No annual fees
  • No balance transfer fees
  • No foreign transaction fees
  • No cash advance fees

Rewards

  • Lowest interest rate

Features & Benefits

  • Collision Damage Waiver
  • Travel and emergency assistance

Learn More about the Platinum credit card

Do You Prequalify?

If you’re already a member, you can check to see if you prequalify for a credit card before applying, without impacting your credit score. Keep in mind that prequalification doesn’t guarantee approval—there are many factors to consider, including monthly debt-to-income ratio, amounts owed and payment history.

Prequalify Me for a credit 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.

Included With All Navy Federal Credit Cards

  • Use your credit card before it arrives in the mail if you qualify for a digitally issued card
  • 24/7 help from our U.S.-based member service team
  • No balance transfer or foreign transaction feesFootnote 3
  • Ability to freeze and unfreeze your cards
  • Zero Liability policy for confirmed 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 Learning Center

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Disclosures

1

As of 12/13/2024, rates range from 11.49% APR to 18.00% APR, are based on creditworthiness, and will vary with the market based on the US 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 01/01/2025. Offer valid for balances transferred from non-Navy Federal credit cards within 60 days of account opening. 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 12/13/2024, rates range from 11.49% 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 12/13/2024, nRewards® Secured card rate is 18.00% APR and will vary with the market based on the US Prime Rate. All other Navy Federal credit card rates range from 11.49% APR to 18.00% APR, are based on product type and creditworthiness, and will vary with the market based on the US 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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