Platinum

Navy Federal Credit Union is an Experian Partner

Platinum

Recommended FICO^® Score^Θ

Fair - Exceptional

Annual Fee:	$0
Intro APR:	None
Ongoing APR:	6.99% - 18% Variable
Ongoing Balance Transfer APR:	6.99% - 18% Variable

Card details

Save on interest with an APR as low as 6.99%
No Foreign Transaction Fee
No Balance Transfer Fee

Pros and cons

No annual fee
No balance transfer fee
No foreign transaction fee
Low APR

Need to be a member of Navy Federal to open account
No rewards

See all Navy Federal Credit Union offers

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^ΘCredit score calculated based on FICO^® Score 8 model. Your lender or insurer may use a different FICO^® Score than FICO^® Score 8, or another type of credit score altogether. Learn more.

Platinum

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Platinum

Learn more about credit cards

An Essential Guide to Your First Credit Card

What Are Subprime Credit Cards?

What Is a Credit Card Minimum Payment?

Credit Card Protections and Insurance for 2026

How to Pay a Credit Card Bill

How Do Cash Back Credit Cards Work?