Platinum Credit Card
No annual fee. Purchase APR 10.24–18.00%, variable.
- Annual fee
- Issuer documentnavyfederal.org · PDF
The source states this figure; we have no exact sentence on file yet.
- Purchase APR
- Issuer's pagenavyfederal.org
“As of 09/29/2026, the Purchases, Balance Transfers, and Convenience Checks APRs range from 10.24% APR to 18.00% APR, are based on creditworthiness and product type.”
- Foreign transaction fee
- Issuer documentnavyfederal.org · PDF
“• Foreign Transaction None”
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What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $0 | $0 |
| Typical spender | $0 | $0 |
| Heavy spender | $0 | $0 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- No annual fee, like about 85% of the 626 cards we track.
- Lower top APR than about 70% of the 577 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Rates and fees
| Annual fee | Issuer documentnavyfederal.org · PDF The source states this figure; we have no exact sentence on file yet. |
|---|---|
| Purchase APR | Issuer's pagenavyfederal.org “As of 09/29/2026, the Purchases, Balance Transfers, and Convenience Checks APRs range from 10.24% APR to 18.00% APR, are based on creditworthiness and product type.” |
| Intro APR | Issuer's pagenavyfederal.org “0.99% (Intro APR)” |
| Balance transfer APR | Issuer's pagenavyfederal.org “As of 09/29/2026, the Purchases, Balance Transfers, and Convenience Checks APRs range from 10.24% APR to 18.00% APR, are based on creditworthiness and product type.” |
| Balance transfer fee | Issuer's pagenavyfederal.org The source states this figure; we have no exact sentence on file yet. |
| Cash advance APR | Issuer documentnavyfederal.org · PDF “Cash Advance APR 18.00%” |
| Cash advance fee | Issuer documentnavyfederal.org · PDF “Otherwise, $0.50 per domestic transaction or $1.00 per foreign transaction.” |
| Penalty APR | Issuer documentnavyfederal.org · PDF “Penalty APR and When It Applies 18.00%” |
| Late payment | Issuer documentnavyfederal.org · PDF “2 Late Payment Fee: You will be required to pay a late payment fee of up to $20.00 if you do not pay at least the minimum payment by the payment due date on your statement.” |
| Returned payment | Issuer documentnavyfederal.org · PDF The source states this figure; we have no exact sentence on file yet. |
| Foreign transactions | Issuer documentnavyfederal.org · PDF “• Foreign Transaction None” |
| Grace period | Issuer documentnavyfederal.org · PDF “Paying Interest Your due date is at least 25 days after the close of each billing cycle.” |
| Minimum interest charge | Issuer documentnavyfederal.org · PDF “Minimum Interest Charge None” |
Carrying a balance? See how long it takes to pay off
Benefits
- Travel and emergency assistance available 24/7, including medical referral, lost luggage locator service, and prescription assistance.
- Collision Damage Waiver coverage is available when renting a car for 15 days or less and paying for the rental with the covered card; coverage is secondary to other applicable insurance or coverage.
- Rental car: 15 days or less
- Emergency assistance
Questions
- What is the annual fee?
- None navyfederal.org · PDF, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- No. navyfederal.org · PDF, since Sep 29, 2026
- What is the purchase APR?
- 10.24–18.00% APR navyfederal.org, since Sep 29, 2026
- Is there an intro APR?
- 0.99% for 12 months. navyfederal.org, since Sep 29, 2026
- What credit do you need?
- Average to excellent credit navyfederal.org · PDF, since Sep 29, 2026
Other cards without rewards with no annual fee
- AAA Daily Advantage Visa SignatureComenity Capital Bank · No annual feeabout the same
- AAA Travel Advantage Visa SignatureComenity Capital Bank · No annual feeabout the same
- AEO, Inc.Synchrony · No annual feeabout the same
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).