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.
Highlights & Features
Balance Transfers
A balance transfer is a way to move credit card debt from one credit 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 |
Fees
| Penalty APR | 18.00% |
| Late Fee | Up to $20 |
| Returned Payment Fee | Up to $20 |
| Additional Cards Annual Fee | $0 |
| Foreign Transaction Fee | $0 |
Cash Advances
Borrowing cash on your credit 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. |
Card Benefits
SECURITY
- Zero Liability on Unauthorized Charges
SHOPPING
- Extended Warranty Protection
TRAVEL
- Auto Rental Insurance
- Emergency Travel Assistance
Navy Federal Credit Union Platinum Card
Highlights
- Save on interest with a 0% intro APR on balance transfers for 12 months. After that, a standard variable APR between 5.99% and 18% applies.
- Pay no annual, balance transfer or foreign transaction fees
- Contactless feature to make purchases quickly and securely
- 24/7 access to stateside member reps
- Cell phone protection when you pay your monthly cell phone bill with a Navy Federal Platinum Credit Card.
ABOUT THE ISSUER
Navy Federal Credit Union
Manage your Account & Pay your Bill
You can usually pay your bill online on your
Credit card issuer's websiteThe 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 warranties, rental 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).
