Navy Federal Platinum
Great for a low ongoing APR
Annual Fee: None
This content is curated by Intuit Credit Karma’s Editorial team using data from members who were approved for this card or similar cards, or who self-matched this card or similar cards. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse this content. Information about financial products not offered on Credit Karma is collected independently. Our content is accurate to the best of our knowledge when posted.
Here’s the average credit limit of members who matched their Navy Federal Platinum or similar cards.
% of members by credit limit range
The average credit limit for members who have matched with this card or similar cards is $14,957, with $25,000 being the most common.
Here’s the average credit score of members who matched their Navy Federal Platinum or similar cards.
% of members by credit score range
The average credit score for members who have matched with this card or similar cards is 665, with 656 being the most common. Note this is just one of the deciding factors when it comes to getting approved.
Member stats
Updated daily
39.9%
Average credit utilization (or what percent of the card’s credit limit is being used) of members who matched with this card or similar cards.
44 years
Average age of members who matched this card or similar cards.
$100,889
Average annual income of members who matched this card or similar cards. Note: Income may be estimated for some members by Credit Karma and may differ from members’ actual incomes.
Member reviews
Most helpful positive review
August 16, 2023
Love NFCU!
— Credit Karma Member
This is a great card and credit union. Live person 24/7. It has helped me manage my life so much better.
Most helpful negative review
August 27, 2018
NFCU lied about sign on bonus
— Credit Karma Member
The card is good, but the internal scoring from Navy Federal is not traditional. It causes people to apply with good credit and get denied. I know, I was denied. Why? I have no idea? It could be because I have nearly paid off my car loan? Maybe because I used my current Navy Federal card down to less than 30 % with a 25K limit? Nothing like earning near 6 figures, being in my 40's, and having a strong credit score, history, plus good work experience. I've paid off multiple Navy Federal loans, plus have been part of the credit union when I entered the Navy in 2001. The only thing I can state for certain is this is weird and American Express in early 2024 gave me a AMEX Platium card. I'm not hurting for credit, but I wanted to improve my credit score because Credit Karma told me to get another card. Well, that backfired! Be careful everyone!