Navy Federal Credit Union Platinum Credit Card Reviews: Is It Worth It? (2023)Reviews, rates, fees, and customer service info for The Navy Federal Credit Union Platinum Credit Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership fees0.99% intro APR on balance transfersNo balance transfer feeNo foreign feeNo rewardsNo initial rewards bonusNo intro APR on purchasesRequires good/excellent credit
Info about Navy Federal Credit Union Platinum Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
%APR152Reviews17Q&AContact
APRWalletHub ReviewQ&ACustomer Reviews
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit
Annual Fee
$0
APR on Purchases
10.74% - 18% (V)
Balance Transfer
0.99% intro APR for 12 months, 10.74% - 18% (V) APR after that
Balance Transfer Fee:$0
WalletHub Review
Navy Federal Platinum Credit Card Pros & Cons
No membership fees
0.99% intro APR on balance transfers
No balance transfer fee
No foreign fee
No rewards
No initial rewards bonus
No intro APR on purchases
Requires good/excellent credit
Navy Federal Platinum Credit Card's Additional Info
Can't find what you are looking for? Submit your question about Navy Federal Credit Union Platinum Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.
The Navy Federal Platinum Credit Card credit limit is between $500 and $50,000. Everyone who gets approved for the Navy Federal Platinum Credit Card is guaranteed a credit limit of at least $500, but the higher an applicant's credit score and income are, the higher the starting credit limit is likely to be.
The Navy Federal Platinum Credit Card credit limit that you start with isn't necessarily your credit line forever. You can ask to get a credit limit increase either online, or by calling the Navy Federal Credit Union service number on the back of your card. But it's best not to do that more than once a year as requests for credit limit increases trigger hard inquiries on your credit report.
The Navy Federal Platinum Credit Card's cash advance APR is 12.74% - 18% (V). In addition to this, you'll also be charged a $0.5 cash advance fee when you perform a cash advance at an ATM or bank that isn't affiliated with Navy Federal. Navy Federal Credit Union cash advances, on the other...
The Navy Federal Platinum card's 0% APR offer for balance transfers is an introductory offer and lasts 12 months for balance transfers requested within 30 days of account opening. This means that for those balance transfers, interest will not be charged while the offer lasts. After the interest free period...
Having the required credit score won't guarantee you'll be approved for it, though. Your income and any existing debts are just as important factors, and Navy Federal will take them all into consideration when looking at your application. Also keep...
Navy Federal Credit Union pulls their applicants' reports from TransUnion or Equifax; sometimes, from both. You can check your TransUnion credit report right here on WalletHub, and it's completely free!
You can keep your account in good standing by paying your minimum amount due each month. However, for the portion of your balance that remains unpaid, you'll be charged interest. To avoid interest...
Yes, the Navy Federal Platinum Credit Card reports your activity to the major credit bureaus TransUnion, Experian, and Equifax on a monthly basis. This can help you improve your credit score over time, as long as you remember to pay it before the due date.
Share your insights and review the Navy Federal Credit Union Platinum Credit Card
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152 reviews
152 reviews
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beasleymichael37 @beasleymichael37
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5 Star Rating
Verified Customer
Absolutely the best out there. The customer service is second to none. All of my financial business will be conducted through NFCU until the day of my demise.
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brian @balmelia69
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5 Star Rating
Verified Customer
I recently got a NFCU Platinum card 25k CLI 11% APR with my horrible 563 credit score. Leaving USAA for Navy Federal has been the best decision ive made in the last 10 years easy.
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Ken R @ken1112658
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5 Star Rating
Verified Customer
I also have NFCU Platinum card, $18k @ 5.99%, $7k cash advance limit. NFCU cash rewards MasterCard $25k @ 9.65% + $8k cash advance limit... Since I have direct deposit @ NFCU, now get 1.75% cash back on any, AND ALL purchases when using my Navy cash rewards card ( Used to be 1.5% ) All my main accounts are with Navy. NFCU is by far the Best CU. Their customer service is TOP NOTCH. Navy HANDS DOWN, beats USAA, & nearly every other CU out there with dividends, credit card rates. Although I refi'd my truck through USAA, I should have did it with Navy, because they offered an additional $200 bonus if I refi'd with them... Oh well, I was still happy @ 3.99% on my truck... Go Navy Fed and USAA !!! My credit scores are 800+ steady over the last 5+ years.
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Harold @haroldj_31
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5 Star Rating
Verified Customer
0% for 12 months, high credit limit, complimentary credit score, good app, online chat and good customer service and overall very good CU.
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Simon @simonv_4
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5 Star Rating
Verified Customer
Great card with low APR and zero annual fee based on credit worthiness. I have been using it for more than a year now. I rely on it for every major purchase I make. I will definitely recommend this card to anybody.
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Mark @markn_60
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5 Star Rating
Verified Customer
I keep a balance on my card to show I am using it. I pay more than my minimum payment. Every 3 or 4 months I pay the whole balance. The credit available will increase every 5 months long as you're making payments.
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Gregory @gregoryp_128
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5 Star Rating
Verified Customer
Navy is one of my favorites I use it then pay it down and I normally find deals on things I need like online but have used it elsewhere also.
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Kelvin Hardnett @kelvin_hardnett
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5 Star Rating
Just applied for this card at 12:30 am on 10/15/20... application took a 1 min or 2.. it took me around 10 minutes because I was scared to hit submit.... ( Fear of the unknown). The only reason I applied for this card is to raise my income to debt ratio.. I'm so glad I applied for this card, as I have heard only great reviews about Navy Federal in their services.. I've been a member since 2002, the year I enlisted.. I got approved for $25,000.. I have never seen this much money ever!! . Now I know it's real.. JESUS CHRIST.... I'M IN AWE.. CAN'T EVEN SLEEP.. ?️THANK YOU NAVY FEDERAL, I'M A LIFE MEMBER ?
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Still Learning @Z9CLINE9
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5 Star Rating
Verified Customer
Applied for this card for the low APR offering as I already had everything else covered. Instant approval of 15.5K @ lowest APR-data pt. (768 Fico8 EQ in NC)This card serves the purpose I wanted along with fabulous customer service,a stellar reputation and I've always received friendly service the few times I needed assistance.
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jason_19702004 @jason_19702004
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5 Star Rating
Verified Customer
My credit score is 620 median (fico 8). Got approved for a 20k limit. I do have a long history with navy federal (1993) so that may have helped. Wife applied after I did for a separate line of credit and they have her 25k. Her credit is around 640-650.
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Review Navy Federal Credit Union Platinum Credit Card
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