Navy Federal Credit Union Platinum Credit Card
Editorial Note: We earn a commission from partner links on Allcards. Commissions do not affect our authors’ or editors’ opinions or evaluations. From our partners: See our advertiser disclosure here.
The Navy Federal Credit Union Platinum Credit Card is a credit union card for members of the military and family. You must be a part of the military family in order to qualify, but that can include members of the armed forces or department of defense and their children, siblings, grandchildren, parents, and grandparents. The card offers 0.99% intro APR on balance transfers for 12 months and no balance transfer fee. It also has no annual fee and a low interest rate. There is no welcome offer, and you’ll have to join the credit union, but it’s a great card to pay off higher interest rate cards if you qualify. Let’s dive into the details and your approval odds in this Navy Federal Platinum review.
Our Rating
4.0/5.0
Welcome Offer
None
Annual Fee
$0
0% Intro on Purchases
None
Reward Rate
None
0% Intro on Balance Transfers
None
Editorial Review
Features & Benefits
| Security | EMV Chip Enabled, Fraud Monitoring, Zero Liability, Alerts, Card Lock |
| Contactless Payments | Tap to Pay, Apple Pay, Google Pay |
| Benefits | Free credit score access, 24/7 customer service |
| Travel Perks | Auto Rental Collision Damage Waiver, Emergency Travel Assistance |
Rewards
Interest Rates & Fees
| Annual Fee | $0 |
| Foreign Transaction Fee | None |
| Regular APR | 11.49% and 18.00% (V) APR |
Pros & Cons
- No annual fee
- No foreign transaction fee
- No balance transfer fee
- No welcome bonus
- No rewards
- Requires good credit
What Are the Best Alternatives?
Citi® Double Cash Card
Rating
4.9
Rewards Range
1% to 2%
Annual Fee
$0
Citi® Diamond Preferred® Card
Rating
3.6
Rewards Range
N/A
Annual Fee
$0
U.S. Bank Cash+® Visa Signature® Card
Rating
4.8
Rewards Range
1% - 5%
Annual Fee
$0