- Sign-Up Bonus
- 0
- Spending Multipliers
- 0
- Credits & Features
- 0.5
- Fees
- 5
- Application
- 4
- Issuer
- NaN
Summary
- Sign-Up Bonus
- 0
- Spending Multipliers
- 0
- Credits & Features
- 0.5
- Fees
- 5
- Application
- 4
- Issuer
- NaN
The Navy Federal Platinum from Navy Federal Credit Union is a no-annual-fee, low-interest credit card designed for Active Duty and retired military members, veterans, eligible family members, and Department of Defense civilian personnel who prioritize low borrowing costs and financial flexibility. With no foreign transaction fees, balance transfer fees, or cash advance fees, this card is ideal for service members who travel frequently or need a reliable card for everyday purchases without incurring extra charges. While it does not offer a welcome bonus or rewards multipliers, the low interest rate and benefits like Rental Collision Damage Waiver make it particularly appealing for those who carry balances occasionally or want added protection on car rentals. For eligible military members seeking a straightforward, cost-efficient card with practical protections, the Navy Federal Platinum card provides dependable value without annual fees.
Pros
Cons
Issuer
Spending Multipliers
Credits & Features
Application
- You need to be a Navy Federal member to get this card
- Your credit score and history need to be at least average to qualify for this card
- You can check if you pre-qualify before applying
Fees
- No Annual Fee
- No Foreign Transaction Fee
- Up to $20 late fee
- No return payment fee
- 10.24% - 18.00% Variable APR
- 18.00% APR for Cash Advance
- $0.50 domestic or $1.00 foreign cash advance fee, none at Navy Federal ATMs or branch
- 10.24% - 18.00% APR for Balance Transfers
- No balance transfer fee