Why We Choose It
The Navy Federal Platinum card is built for paying down debt, not earning rewards: it is Navy Federal's lowest-rate card and charges no balance transfer fees. The current offer is a 0.99% intro APR for 12 months on balances transferred in the first 60 days. It suits a member moving a balance from another bank's card.
Pros & Cons
Pros
- Navy Federal's lowest-rate card, with a variable APR between 10.24% and 18.00%
- No annual fee and no balance transfer fees
- 0.99% intro APR for 12 months on balances transferred within 60 days
Cons
- No rewards
- Navy Federal Credit Union membership is required
- The intro APR applies to balance transfers made in the first 60 days
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