Purchase APR
13.74–18%
Annual fee
None
Foreign fee
None
Top-25 issuerNo score≤619Cashback
Carrying $3k for a year ≈ $483.60
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61
Platinum
Top-25 issuerNationalVariable · PrimeNo credit scoreCredit score 619 or lessCredit score 620–719Credit score 720+
Purchase APR
10.49–18%
Annual fee
None
0% intro
None
0% transfer
0.99%
Foreign fee
None
Grace period
25 days
Purchase APR by credit tier
Median rate the issuer reported for each tier
No score
18%
≤619
18%
620–719
18%
720+
18%
Lowest offered10.49%
Median14.50%
Highest offered18%
Balance transfer APR
Promotional window: 12 months · grace period retained on purchases
The transfer rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered0.99%
Median0.99%
Highest offered0.99%
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
None reported
Services
- Access to Free Credit Scores
- Automobile rental insurance
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 0.99%$24.75
You save$575.25
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 14.50% afterwards.
Cost to carry a balance
Interest for a year at 14.50%$435.00
Annual / periodic fees$0
Total yearly cost$435.00
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.
More from this issuer
Purchase APR
14.99–18%
Annual fee
$49
Foreign fee
None
Top-25 issuerNo score≤619Cashback
Carrying $3k for a year ≈ $528.70 incl. $49 fee
Purchase APR
14.40–18%
Annual fee
None
Foreign fee
None
Top-25 issuerNo score≤619Cashback
Carrying $3k for a year ≈ $493.50
Purchase APR
18%
Annual fee
None
Foreign fee
None
SecuredTop-25 issuerNo score≤619Cashback
Carrying $3k for a year ≈ $540