The Navy Federal Credit Union Platinum Credit Card offers 0.99% intro APR on balance transfers for the first 12 months of account opening, followed by a 11.24% - 18.00% variable APR on both purchases and balance transfers. Balance transfers must be completed within 60 days of account opening. It’s not the best intro APR offer we’ve seen, but where this card stands out is its ongoing balance transfer APR. After the introductory period ends, a variable APR of 11.24% - 18.00% variable applies to balance transfers, far lower than many top balance transfer cards.
Rewards: This card does not earn rewards
Welcome offer: This card does not offer a welcome bonus.
Annual fee: $0
Other benefits and drawbacks: Known primarily as a balance transfer card, the Navy Federal Credit Union Platinum Credit Card offers a few other benefits to add to the card’s value. The $0-annual-fee card includes travel protections including collision damage waiver and travel and emergency assistance. In addition to the lack of balance transfer fees, the card charges no foreign transaction fees.