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Save With a Special Introductory APR on Balance Transfers for 12 Months1

Apply Now for the Platinum credit card. View Offer DetailsFor the Platinum.

This card is best for...

  • Large Purchases Paid Off Over Time

  • Low Interest Rate

  • Average to Excellent Credit


Rates, Fees & Rewards

Rates

Purchase & Balance Transfer Variable APR between

7.99% - 18.00% 2

Terms & Conditions

Fees

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

Rewards

  • Low interest rate

Features & Benefits

  • Collision Damage Waiver
  • Travel and emergency assistance
  • Extended warranty service
  • 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 fees3
  • Ability to freeze and unfreeze your cards
  • Zero Liability policy for reported unauthorized transactions
  • Fraud notifications*
  • Access to your FICO® score4
Learn More about the benefits included with all Navy Federal credit cards

Cardholder Resources

  • Redeem Rewards

    Get the most out of your credit card. Redeem your rewards now.

    Learn More about Redeem Rewards
  • Member Mall®

    Use your credit card to shop our online Member Mall. You’ll get higher rewards just for purchasing through Member Mall, free shipping from certain retailers, exclusive offers and other perks.

    Learn More about Member Mall®
  • FICO® Score

    Stay on top of your credit. Sign in to your Navy Federal account to easily view your FICO score.

    Learn More about FICO® Score
View More Cardholder Resources

Credit Card Basics

View More Credit Card Basics

Disclosures

1As of 11/1/18, rates range from 7.99% APR to 18% 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 overseas transaction. Balance transfer offer: Offer valid for balance transfers requested from non-Navy Federal credit cards within 30 days of account opening. Navy Federal reserves the right to refuse duplicate balance transfer requests. Maximum total transfer amount is limited to your approved 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. Limit of one promotional offer at account opening. Offer excludes Navy Federal Home Equity Line Platinum credit cards. Valid for offers applied for from 3/1/18 to 12/31/18.

2Currently, rates range from 7.99% 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 overseas transaction. Cash Advance APR is variable and up to 2% higher than purchase APR, but will not exceed 18%. Repayment terms are 2% of outstanding balance or $20, whichever is greater.

3For all Navy Federal Credit Cards: Currently, rates range from 7.99% 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.

4FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.