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Navy Federal Credit Union

Platinum

This credit card is recommended for people with the following credit scores: No score, 619 or less, 620-719, and 720+

Nationwide
Availability
Eligibility requirements
  • Navy Federal membership
  • This card is from a credit union, a not-for-profit, member-owned institution that you must join before applying for the card. Check with the credit union for membership requirements, which typically include living in certain areas or working for certain employers.

Review details with the company before applying

APRs change over time and are specific to the applicant. Check rates before applying.

Purchase interest rate and fees

11.24% – 18%* Purchase APR

*As of . Advertised purchase APRs change over time and are specific to the applicant, based on your credit score. Check rates before applying.

Here are typical APRs for different credit scores for this card:

Credit score Median purchase APR Comparison to other cards
619 or less 18%
1 dollar sign symbol
Pay less interest
620-719 18%
1 dollar sign symbol
Pay less interest
720+ 15.99%
1 dollar sign symbol
Pay less interest

After opening the credit card, the purchase APR is variable, meaning it can go up or down based on the index listed in the details below. Learn more about APRs in general and about fixed versus variable APRs.

Foreign transaction fee
None
Minimum finance charge
No minimum interest payment is required to avoid additional fees
Grace period
25 days until interest begins to accrue on purchases
Balance computation method
Monthly interest is calculated based on your average daily balance including new purchases
Purchase APR index
The purchase APR varies depending on the value of the prime index

Learn more about how credit card interest is calculated.

Fees

$0 Annual fee
Late fee
$20 for the first late payment
Over-limit fee
None
Non Navy Federal Domestic ATM Fee
$0.50 (Servicing)
Non Navy Federal International ATM Fee
$1 (Servicing)
Returned Payment Fee
$20 (Servicing)

Rewards and perks

This card does not offer cash back, travel, or other rewards.

Services
  • Automobile rental insurance
  • Travel and emergency assistance
Card features
  • Contactless Payments
  • Chip card
  • Fee-free foreign transactions
  • Mobile wallet provisioning (for example, Apple Pay)

Balance transfer interest rate and fees

This card does not offer balance transfers.

Cash advance interest rate and fees

13.24% – 18%* Cash advance APR
+
$0 Cash advance fee

*As of . Advertised cash advance APRs change over time and are specific to the applicant, based on your credit score. Check rates before applying.

Here are typical cash advance APRs for different credit scores for this card:

Credit score Median cash advance APR
619 or less 18%
620-719 18%
720+ 17.99%

Did you know: If you use your card to transfer a balance or get a cash advance, you may have to start paying interest on some or all of your total balance, including new purchases, as of the date of the transaction.