One of the lowest regular APRs available (from about 10%), with a 0.99% intro rate and no balance transfer fee. Membership required.
Rates, fees and offers
- Regular APR
- 10.24%–18% variable
- Annual fee
- $0
- Promo offers
- 0.99% intro APR for 12 months on balances transferred within 60 days of opening. No balance transfer fee.
- Balance transfer fee
- None
- Rewards
- No rewards.
Checked September 26, 2026. Offers and rates change often, and your APR depends on your credit. See the issuer’s current terms ↗
Notes
Navy Federal membership is required (military members, veterans, DoD civilians and their families). Credit unions cap rates at 18%, which makes this a strong long-term card for carrying a balance if you must.
Paying and contacting Navy Federal Credit Union
- Pay by mail
-
The issuer doesn’t publish one address for everyone. Use the payment address printed on your statement.
See all Navy Federal Credit Union cards → · Search all cards
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