Detected in the CFPB-filed cardholder agreements from Navy Federal Credit Union. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.
Penalty APR
Slip up and your rate can jump to a much higher penalty APR.
Jumps to ~18%
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“…Flagship Rewards 14.74% to 18.00% cashRewards Secured 18.00% This APR will vary with the market based on the U.S. Prime Rate. Cash Advance APR 18.00% Penalty APR and When It Applies 18.00% This APR may apply to your account if you: ?are over 60 days past due or ?make a payment that is returned and causes your…”
The transfer rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered1.99%
Median1.99%
Highest offered1.99%
Cash advance APR
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered18%
Median18%
Highest offered18%
Every fee on this card
Annual feeNone
Balance transfer feeNone
Cash advance feeNone
Foreign transaction feeNone
Purchase transaction feeNone
Late fee$20
Repeat late fee (6 mo)$20
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Non Navy Federal Domestic ATM Fee$0.50
Non Navy Federal International ATM Fee$1
Rewards, benefits and features
Rewards
Cashback rewards
Services
Automobile rental insurance
Other
Features
Contactless Payments
Chip card
Fee-free foreign transactions
Mobile wallet provisioning (for example, Apple Pay)
Who can get this card
AvailabilityNational
Membership requirementsYes
RequirementOther. Please Describe:
Phone(888) 842-6328
Balance transfer calculator
Stay put — 12 mo at 24%$600
Transfer fee (0%)$0
Promo interest at 1.99%$49.75
You save$550.25
Assumes you pay the balance down evenly across the 12-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 18.00% afterwards.
Cost to carry a balance
Interest for a year at 18.00%$540
Annual / periodic fees$0
Total yearly cost$540
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 25-day grace period avoids the interest entirely.
Cardholder agreements
1 document filed by Navy Federal Credit Union in the 2026 Q1 archive.