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The Navy Federal Credit Union Platinum Card has an attractive balance transfer offer, including a rare feature — no balance transfer fee. But that’s about all there is to this card. You’ll need to be an NFCU member to apply.
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|Purchase APR||Balance Transfer APR||Cash Advance APR|
|5.99% - 18.00% Variable||0% for 12 months, then 5.99% - 18.00% Variable||2% above your variable APR. This APR will vary with the market based on the U.S. Prime Rate|
|Annual Fee||Foreign Transaction Fee|
|Balance Transfer Fee||Cash Advance Fee|
|None||None if performed at a Navy Federal branch or ATM. Otherwise, $0.50 per domestic transaction or $1.00 per foreign transaction|
|Penalty APR||Late Fee||Returned Payment Fee|
|18.00%||Up to $20||Up to $20|
The NFCU Platinum doesn’t require platinum credit scores — it’s designed for fair credit, like many credit union cards.
Fair credit is usually considered to be a FICO score of 580–669, or a VantageScore of 650–699.
But remember that credit card approval decisions rely on more than just credit scores. Several other factors, like income and monthly debt obligations, can sway the decision one way or another.
For rates and fees of The Platinum Card® from American Express, please click here.
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