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Visa2/4 on file
✓ Annual fee checked
Navy Federal Credit Union · Visa

Platinum Credit Card

Low InterestNo Annual FeeNo FX Fee

The Platinum Credit Card is a Visa card from Navy Federal Credit Union with an annual fee of $0. Here is what we hold on it, and what we do not.

Annual fee$0per yearChecked navyfederal.org
Apply on Navy Federal Credit UnionCompare this card
Opens Navy Federal Credit Union’s site

Credit union with branches in: Virginia (66), California (54), Texas (39), Florida (35), Georgia (26), Maryland (25), North Carolina (16), Washington (13) and 24 more. Where it has branches is not a rule on who may apply.

Source: NCUA call report (ncua.gov) · read Oct 7, 2026

Ledger entry

The receipt

Every cost line we hold for the Platinum Credit Card, exactly as recorded.

Annual fee
$0Checked navyfederal.org
Supplementary card
Not confirmed
Foreign transaction
NoneChecked navyfederal.org
Purchase APR
10.24%–18%Checked navyfederal.org
Income requirement
Not confirmed
Network
Visa
Credit needed
Not confirmed
Sign-up

The welcome offer

No welcome offer on file

We hold no published welcome offer for the Platinum Credit Card. That may mean there isn’t one, or simply that we have not recorded it — Navy Federal Credit Union’s own page is the place to check.

Issuer restricts access — check their site
Rewards

What it earns

No earn rates on file

We hold no category earn rates for the Platinum Credit Card. Rather than print a multiplier we cannot source, this stays blank until Navy Federal Credit Union’s own terms give us one.

Issuer restricts access — check their site
Next step

Ready to apply for the Platinum Credit Card?

You'll finish the application on Navy Federal Credit Union's own site. Terms can change without notice, so check the fee and offer there before you commit.

Apply nowOpens Navy Federal Credit Union’s site
Questions

Questions about the Platinum Credit Card

How much is the Platinum Credit Card annual fee?

The Platinum Credit Card has an annual fee of $0. Weigh that against the rewards and perks you will actually use.

What does the Platinum Credit Card earn?

Navy Federal Credit Union's site restricts automated access, so we could not read the Platinum Credit Card's earn rates and do not print a multiplier. Check them on Navy Federal Credit Union's own site.

What network is the Platinum Credit Card on?

The Platinum Credit Card runs on the Visa network, which determines where it is accepted and which network-level benefits apply.

Is the Platinum Credit Card available in United States?

Yes — the Platinum Credit Card is issued by Navy Federal Credit Union and is available to eligible applicants in United States. Approval depends on the issuer's own credit and income criteria.

When were the Platinum Credit Card figures last checked?

We checked its annual fee in October 2026, its foreign transaction fee in October 2026 and its purchase APR in October 2026, each against a published document. Navy Federal Credit Union's site restricts access, so we could not check: earn rates and welcome offer. Terms can change without notice, so confirm the current details with Navy Federal Credit Union before you apply.