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Platinum Credit Card – Full Review [2024]

Kellie Jez's image
Kellie Jez
Kellie Jez's image

Kellie Jez

Director of Operations & Compliance

6 Published Articles 1180 Edited Articles

Countries Visited: 10U.S. States Visited: 20

Kellie’s professional experience has led her to a deep passion for compliance, data reporting, and process improvement. Kellie’s learned the ins and outs of the points and miles world and leads UP’s c...
Edited by: Stella Shon
Stella Shon's image

Stella Shon

News Managing Editor

101 Published Articles 710 Edited Articles

Countries Visited: 25U.S. States Visited: 22

With a degree in media and journalism, Stella has been in the points and miles game for more than 6 years. She most recently worked as a Corporate Communications Analyst for JetBlue. Find her work in ...

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

Platinum Credit Card
Terms Apply / Rates & Fees

Platinum Credit Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
3
Learn More(at NFCU's secure site)
  • .99% intro APR for 12 months

  • $0

  • 0.99% intro APR for 12 months on purchases. After that, a variable APR between 11.24% and 18% applies.

Platinum Credit Card

The Platinum Credit Card from Navy Federal Credit Union is a great option if you're thinking about paying down large purchases over time.

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
3
Learn More(at NFCU's secure site)

Card Snapshot

Welcome Bonus & Info

  • 0.99% intro APR for 12 months on purchases. After that, a variable APR between 11.24% and 18% applies. Offer valid for accounts applied for between 3/1/2024-6/30/2024.
  • Minimize your monthly payments with Navy Federal’s lowest rate card.
  • Save on balance transfers with a low intro APR.
  • No annual fees, no balance transfer fees, no foreign transaction fees, no cash advance fees.
  • Travel and emergency assistance included.

Upgraded Points: Expertise You Can Trust

Our seasoned and experienced team brings years of expertise in the credit card and travel sectors. Committed to integrity, we offer data-driven guides to help you find the card(s) that best fit your requirements. See details on our intensive editorial policies and card rating methodologies.

  • Content by Leading Industry Experts
  • Routine Updates and Fact-Checks
  • First-Hand Credit Card Experience
  • Shared Across 200+ Top Outlets
  • Methodical “U.P. Rating” System
  • 1044+ Expert Credit Card Guides

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

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 looking wanting to take advantage of their 0.99% intro APR for 12 months on purchases. After that, a variable APR between 11.24% and 18% applies.

This could be a big help if you’re looking to pay off large purchases over time.

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

  • 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

Citi Double Cash® 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 19.24% - 29.24%

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.

Chase Freedom Unlimited®

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 20.49% - 29.24%.

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.

Kellie Jez's image

About Kellie Jez

Kellie’s professional experience has led her to a deep passion for compliance, data reporting, and process improvement. Kellie’s learned the ins and outs of the points and miles world and leads UP’s compliance operation.

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