Great Card If
- Looking for a card with no annual fees, no balance transfer fees, no foreign transaction fees, and no cash advance fees (rates & fees)
- Interested in an intro APR on balance transfers
Don’t Get If
- Wanting a card with bonus earnings
- Interested in a cash-back card
What Benefits Do You Get With the Platinum Credit Card?
The Platinum Credit Card by Navy Federal Credit Union is a card to consider if you’re wanting to take advantage of its 0.99% intro APR for 12 months on balance transfers. After that, a variable APR between 11.49% and 18.00% applies. Offer valid for accounts applied for between 11/1/2024-1/1/2025.
This could be a big help if you’re looking to pay off a large balance on another credit card.
Additionally, the Platinum Credit Card offers Collision Damage Waiver as a benefit. This benefit is eligible when you rent a car for 15 days or less and pay for the rental with your card. Keep in mind that the Collision Damage Waiver is secondary coverage.
Coverage Includes the following:
- Physical damage
- Theft
- Reasonable towing charges
- Valid loss-of-use charges
- Deductible and any other eligible amounts not covered by other insurance
Note that restrictions and exclusions apply, but full details of the coverage can be found here.
Alternative Cards to the Platinum Credit Card
If you’re looking for a great card that offers an intro APR offer and earns rewards, then the Double Cash card might be a better fit for you. This card is offering: 0% intro APR on balance transfers for 18 months. After that, the variable APR will be 18.49% to 28.49%
In addition to its intro APR offer, you’ll earn an uncapped 2% cash-back on all purchases (with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases), and a $0 annual fee.
The Freedom Unlimited card is great option for a card that offers an intro APR offer on purchases and balance transfers while still earning rewards. Right now, the card is offering: 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.74% - 28.49%.
With it, you’ll earn 5% cash-back on travel purchased through Chase Travel, 3% on dining and drugstore purchases, and 1.5% on all other purchases. Plus, it charges a $0 annual fee and has great protections like purchase protection, extended warranty protection, and rental car insurance.
The information regarding the Citi Double Cash® Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
