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Navy Federal Platinum Credit Card review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
11.24% ‐ 18% (Variable)
Interest Rate: Purchases
11.24% ‐ 18% (Variable)
Balance Transfer
11.24% ‐ 18% (Variable) (0.99% for the first 12 months)
Balance Transfer
11.24% ‐ 18% (Variable) (0.99% for the first 12 months)
Signup Bonus
Signup Bonus

Informr score
The Navy Federal Platinum Credit Card currently has an Informr score of 8.3 out of 10. This score is based on our evaluation of 7 sources including reviews from users and the web's most trusted critics.

Am I eligible?

Navy Federal Platinum Credit Card is typically available to those with average credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


Consider the Navy Federal Platinum card only if you want to use it for its potentially low interest rate, depending on your creditworthiness. The card’s other features don’t provide a lot of value, considering that you can get them with many other credit cards. Also, there’s a very limited rewards p...

- Ben Luthi, Investopedia

It packs an impressive combination of debt-zapping features that can be hard to find elsewhere, assuming you're eligible to apply.

- Robin Saks Frankel, Gregory Karp, NerdWallet

The Navy Federal Platinum Card is a worthy option for anyone with average credit on the hunt for a balance transfer card. But if your overall credit profile is strong, look to a card that offers a longer introductory period or one that you’ll want to use long after the promo APR offer expires.

- Robin Saks Frankel, Forbes

he Navy Federal Credit Union® Platinum card doesn't charge a balance transfer fee, which is difficult to find among balance transfer cards. Add to that a generous promotional APR on balance transfers for the first year, no annual fee and a low regular APR, and this card is certainly worth considerin...

- Cynthia Measom, GOBankingRates

Though the Navy Federal Credit Union Platinum credit card lacks a 0% introductory period for new purchases, the regular APR is so low that cardholders will still save a substantial amount of money on interest.

- Andy Shuman,


Interest Rates
Regular APR Interest Rate 11.24% ‐ 18% (Variable)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 11.24% ‐ 18% (Variable) (0.99% for the first 12 months)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 13.24% ‐ 20% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee $0.00
Cash Advance Fee $0.00
Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $20.00


Sign up bonus No
All Purchases No
Restaurants No
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty Yes
Purchase Protection Yes
Zero Liability Yes
No Foreign Transaction Fees Yes
Emergency Assistance Yes
Concierge Service Yes
Price Protection Yes
Fraud Protection Yes
Free Credit Scores Yes
Wireless Payments No
Virtual Cards No
Additional Benefits
  • Road Assistance
  • Mastercard ID Theft Protection
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments -
Terms & Conditions Official Terms & Conditions
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