Balance Transfer Offer

Save BIG on All New and Existing Cards

Start the Year Off Right—Transfer Your Balance and Save

Enjoy a 0% intro APR on balance transfers from non-Navy Federal Credit Cards to a new or existing Navy Federal Credit Card for 12 months. After that for new cardholders, a variable APR between 7.24% and 18% applies. After that for existing cardholders, your standard APR applies.1

Balance Transfer Fee Comparisons** - Based on $5,000 balance
   
Balance Transfer Fee Total Fees Paid
Navy Federal 0%1 -
USAA® 3% $150
Citibank® 3% $150
Discover® 3% $150

**Total fees paid amount to 3% of the hypothetical $5,000 transfer balance. Balance transfer fees accurate as of Dec. 28, 2017.

Get Started!

Not a Member?
Confirm eligibility and join. Once a member, select Transfer Your Balance during the application process for your new card.

Members With Existing Navy Federal Credit Cards
Sign in to your online account, select the "Transfers" tab and "Make Credit Card Balance Transfer" on the lower right side. Be sure to transfer your existing card balance before
Feb. 28, 2018.

Members Without a Navy Federal
Credit Card

Sign in to your online account, select the card you want to apply for, and choose the Balance Transfer option during the application process.

You can also use our mobile app* to take advantage of this offer!

All our cards offer excellent benefits:

Cards

Fees

Benefits

Variable APR between

10.9% - 18.0%1

[Terms & Conditions]
  • No annual fee
  • No balance transfer fee
  • No cash advance fee
  • No foreign transaction fee
Variable APR between

10.9% - 18.0%1

[Terms & Conditions]
  • No annual fee
  • No balance transfer fee
  • No cash advance fee
  • No foreign transaction fee
  • 3 points at supermarkets, 3 points at gas stations, 2 points at restaurants and 1 point on everything else
  • Redeem points for cash, travel, gift cards and merchandise
  • See Rewards Terms & Conditions
Variable APR between

11.24% - 18.0%1

[Terms & Conditions]
  • $49 annual fee
  • No balance transfer fee
  • No cash advance fee
  • No foreign transaction fee
Variable APR between

10.24% - 18.0%1

[Terms & Conditions]
  • No annual fee
  • No balance transfer fee
  • No cash advance fee
  • No foreign transaction fee
  • 3 points on restaurants, 2 points on gas and 1 point on everything else
  • Redeem points for cash, travel, gift cards and merchandise
  • See Rewards Terms & Conditions for Mastercard® or Visa®
Variable APR between

7.24% - 18.0%1

[Terms & Conditions]
  • No annual fee
  • No balance transfer fee
  • No cash advance fee
  • No foreign transaction fee
  • Best interest rate of all our cards
  • Earn statement credits through Member Mall®2
  • Available in Mastercard and Visa
Variable APR between

10.24% - 18.0%1

[Terms & Conditions]
  • No annual fee
  • No balance transfer fee
  • No cash advance fee
  • No foreign transaction fee
  • Earn one point per $1 of net purchases to redeem points for gift cards, merchandise and cash back.
  • Build or repair credit
  • Available in Mastercard and Visa

  • See Rewards Terms & Conditions

Learn More about Balance Transfers

Balance Transfer Myths Debunked. Act Now–Offer ends Feb. 28, 2018.


1Currently, rates range from 7.24% APR to 18% 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 overseas transaction. $49 annual fee for Visa Signature® Flagship Rewards. Balance transfer offer: Offer valid for balances transferred from non-Navy Federal credit cards from 1/3/2018 to 2/28/2018. Balance transfers are not eligible to earn rewards. 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. Offer applies to balance transfers requested within 30 days of account opening. Applications must be submitted between 1/3/2018 and 2/28/2018. Limit of one promotional offer at account opening. If you transfer a balance to an existing Navy Federal Credit Card, you will receive a 0% APR on the balance transferred for 12 months. After that, your standard variable purchase APR will apply to any balance remaining. No single balance transfer can be greater than $30,000. You may transfer a balance to an existing Navy Federal Credit Card by logging into your account online, calling 1-888-842-6328, or visiting a branch office. Must transfer balances to existing accounts by 2/28/2018. Offer excludes Navy Federal Business and Home Equity Line Visa® Platinum credit cards. © 2017 Navy Federal

2Program excludes Navy Federal Business and Home Equity Line Visa Platinum Credit Cards and Navy Federal Debit Cards.

The Navy Federal More Rewards American Express® Card is issued and administered by Navy Federal Credit Union. American Express is a federally registered service mark of American Express and is used by the issuer pursuant to a license.