The Navy Federal Credit Union Platinum Credit Card stands out for its highly competitive low APR offers, especially for balance transfers, paired with a $0 annual fee. It's an ideal choice for those affiliated with the military, looking to minimize fees and transfer existing high-interest credit card debt. The card currently offers a 0.99% intro APR for 12 months on balance transfers made within 60 days of the account opening, with the offer ending on 04/30/2024. Regular APR ranges from 11.24% to 18.00%, variable. Pros include no balance transfer fee, low regular APR, and no annual, foreign transaction, or cash advance fees. However, membership in the Navy Federal Credit Union is required, and the card doesn't offer rewards on spending. This card is best for debt management rather than rewards earning.
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