The advertised credit profile is general guidance, not a score cutoff or an approval prediction. Navy Federal Credit Union makes every lending decision.
- Annual fee and first-year pricing
- No annual fee
- Purchase APR
- A balance transfer can make your payments simpler—and a Platinum card can help you save on them. Get a 0.99% intro APR for 12 months from account opening on balances transferred within your first 60 days . You'll also pay no balance transfer fees . After that, a variable APR between 10.24% and 18% applies. Rates Purchase & Balance Transfer Variable APR between 10.24% to 18.00% Terms & Conditions Dominate debt with a 0.99% intro APR for 12 months from account opening on balance transfers made within your first 60 days . After that, a variable APR currently between 10.24% and 18% applies. Plus, no transfer fees. See offer details.
- Introductory APR and duration
- A balance transfer can make your payments simpler—and a Platinum card can help you save on them. Get a 0.99% intro APR for 12 months from account opening on balances transferred within your first 60 days . You'll also pay no balance transfer fees . After that, a variable APR between 10.24% and 18% applies. Dominate debt with a 0.99% intro APR for 12 months from account opening on balance transfers made within your first 60 days . After that, a variable APR currently between 10.24% and 18% applies. Plus, no transfer fees. See offer details.
- Balance transfers and fees
- WalletHub® rated Navy Federal Credit Union’s Platinum credit card as one of 2026’s Best Credit Cards With No Balance Transfer Fees . A balance transfer can make your payments simpler—and a Platinum card can help you save on them. Get a 0.99% intro APR for 12 months from account opening on balances transferred within your first 60 days . You'll also pay no balance transfer fees . After that, a variable APR between 10.24% and 18% applies. As of 10/28/2026, the Purchases, Balance Transfers, and Convenience Checks APRs range from 10.24% APR to 18.00% APR, are based on creditworthiness, and vary with the market based on the U.S. Prime Rate. The Cash Advance APR is 18%. The Penalty APR is 18% and may apply to an account that is over 60 days past due. 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 01/03/2027. 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 are not eligible to earn rewards. 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. Limit of one promotional offer at account opening. Navy Federal reserves the right to change or end this offer at any time. No balance transfer fees
- Cash advances and fees
- As of 10/28/2026, rates range from 10.24% 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. As of 10/28/2026, the Purchases, Balance Transfers, and Convenience Checks APRs range from 10.24% APR to 18.00% APR, are based on creditworthiness, and vary with the market based on the U.S. Prime Rate. The Cash Advance APR is 18%. The Penalty APR is 18% and may apply to an account that is over 60 days past due. 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 01/03/2027. 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 are not eligible to earn rewards. 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. Limit of one promotional offer at account opening. Navy Federal reserves the right to change or end this offer at any time. No cash advance fees
- Penalty APR
- As of 10/28/2026, the Purchases, Balance Transfers, and Convenience Checks APRs range from 10.24% APR to 18.00% APR, are based on creditworthiness, and vary with the market based on the U.S. Prime Rate. The Cash Advance APR is 18%. The Penalty APR is 18% and may apply to an account that is over 60 days past due. 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 01/03/2027. 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 are not eligible to earn rewards. 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. Limit of one promotional offer at account opening. Navy Federal reserves the right to change or end this offer at any time.
- Membership, location and eligibility
- Navy Federal Credit Union membership required.
- Other conditions
- This card is best for: Paying off big buys over time Low interest rate Average to excellent credit Rewards: Lowest interest rate No balance transfer fees Trustpilot SPECIAL OFFER Save on no-fee balance transfers with a low intro APR and no balance transfer fees. See Platinum offer. Learn more about this card for the Platinum
Recorded from Navy Federal Credit Union’s public information. Rates and fees change, so the issuer’s current disclosures are authoritative.
