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Navy Federal Credit Union Platinum Card

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This is a basic, low-interest Mastercard that’s only available to NFCU members. You won’t earn any rewards, but you will get a long 0% intro APR offer for balance transfers.

Our rating
Min. credit level: Fair
Annual Fee: $0
Regular APR: 5.99% - 18.00% Variable
Intro Balance Transfer APR: 0% for 12 months

Navy Federal Credit Union Platinum Card

Our rating
Fair Min. credit level
$0 Annual Fee
How To Apply Read Our Review

Highlights & Features

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR 0% for 12 months
Regular Balance Transfer APR 5.99% - 18.00% Variable
Balance Transfer Fee N/A
How to Transfer a Balance on a Credit Card


Penalty APR 18.00%
Late Fee Up to $20
Returned Payment Fee Up to $20
Additional Cards Annual Fee $0
Foreign Transaction Fee $0
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR 2% above your variable APR. This APR will vary with the market based on the U.S. Prime Rate
Cash Advance Fee None if performed at a Navy Federal branch or ATM. Otherwise, $0.50 per domestic transaction or $1.00 per foreign transaction
How to Get a Cash Advance with a Credit Card

Card Benefits

  • Zero Liability on Unauthorized Charges
  • Extended Warranty Protection
  • Auto Rental Insurance
  • Emergency Travel Assistance

Navy Federal Credit Union

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-888-842-6328 or

Try a different phone number

The NFCU Platinum Credit Card offers basic Visa benefits and a low APR. There are no spending rewards.

This card is issued by the Navy Federal Credit Union, and is only available to those who have participated in the military, some other federal programs, or their families. You can find a full explanation of the eligibility requirements online.

Some of your benefits include extended shopping warrantiesrental collision damage waivers, and cell phone protection. You’ll also be able to access one of your FICO Scores based on Equifax data.

This card has a 0% introductory balance transfer APR for 12 months, then your rate will be 5.99% - 18.00% Variable.

This card has no annual fee, no foreign transaction fee, no balance transfer fee, and no cash advance fee (at NFCU branches and ATMs).

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