You can request to do a Navy Federal balance transfer when you apply for any NFCU credit card. You can make a transfer request through your online account if you already have a Navy Federal card. The Navy Federal balance transfer fee is $0 (for all cards). And the NFCU balance transfer APR could be as low as 0% (intro) or as high as 18% (V), depending on the card.
The best Navy Federal balance transfer credit card is the NFCU Platinum Card because it offers 0% for 12 months on balance transfers and has a $0 annual fee in addition to its $0 transfer fee. There are no other 0% balance transfer credit cards from Navy Federal. But all NFCU cards have fairly low regular APRs.
Navy Federal Balance Transfers:
Best balance transfer card: The Navy Federal Platinum Card offers 0% for 12 months on balance transfers. No other NFCU cards have 0% rates, but regular APRs range from 7.74% - 18% (V).
Ways to request: You can ask for a balance transfer on the application for a new NFCU card. You can request one for an existing card online or through the mobile app.
How to request online: Sign in to your account. Click the “Transfers” tab. Click “Make a Credit Card Balance Transfer” at the bottom right. Fill in the required information. Submit your request.
How to request in-app: In the Navy Federal Credit Union mobile app, go to “Account Management,” then “Balance Transfer.” Input the required information and submit your request.
Information required: You need the account number for the balance you’re transferring, plus the name and address of that account’s issuer, along with the amount you want to transfer.
Fees: No balance transfer fees on any Navy Federal credit card.
Timeline: It should take about two weeks for your Navy Federal balance transfer to be completed.
If you do a Navy Federal balance transfer, be sure to continue making monthly payment to your old issuer if the due date comes up before your balance transfer is completed. Otherwise, you risk being marked as late. Any additional payments you make to your old issuer will be credited to your NFCU card once the transfer processes.
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