NFCU Platinum Credit Card

For People with
Fair Credit



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

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, for transfers requested within 30 days, then your rate will be 8.24%–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).

Card Quick Facts

Card Quick Facts

  • 0% introductory balance transfer APR for 12 months, for transfers requested within 30 days, then your rate will be 8.24%–18.00% Variable
  • Access to your FICO Score based on Equifax data
  • No annual fee
  • No balance transfer fee
  • No foreign transaction fee

For People with
Fair Credit



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Card Details



This card does not offer rewards.
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee $0
Regular Purchase APR 8.24%–18.00% Variable
Intro Purchase APR -
Foreign Transaction Fee None
Chip Technology Chip-and-Signature
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score Yes
Penalty APR 18.00%
Late Fee Up to $20
Returned Payment Fee Up to $20
Balance Transfers

Balance Transfers

Intro Balance Transfer APR 0% for 12 months, for transfers requested within 30 days
Regular Balance Transfer APR 8.24%–18.00% Variable
Balance Transfer Fee -
Cash Advances

Cash Advances

Cash Advance APR 2% above your Variable APR
Cash Advance Fee None at an NFCU branch or ATM; up to $1 otherwise

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • Visa Benefits

    You will be provided with a list of benefits available to you once you get approved for your card.

  • $0 Fraud Liability Guarantee

    Cardholders are not held responsible for unauthorized purchases on this card.

  • Extended Warranty Protection

    Eligible warranties can be extended by up to an additional year; up to $10,000.

  • Cellular Telephone Protection

    When you pay your cell phone bill with your card each month, you’ll be protected for the next calendar month so you can be reimbursed if your phone is stolen or damaged.

  • Auto Rental Collision Damage Waiver

    Covers damage and theft of rented vehicles, as well as reasonable towing charges

  • Travel and Emergency Assistance Services

    24/7 help with travel emergencies.

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