No fees
We charge no annual fee, balance transfer fees, or cash advance fees on our credit cards.
Credit Cards
Get more from your everyday spending with rewards and flexible credit-building options. Navigator Credit Union makes it easy to choose the card that works for you.
Every purchase pays you back
Free ID theft protection
We monitor your card transactions and immediately alert you to any suspicious activities for added peace of mind.
Contactless payments
Simply tap your card where you see the contactless payment logo for our easiest, most secure payment option.
Navigator credit cards
Platinum Rewards MasterCard®
Our premium rewards credit card is a smart choice if you want to save with low interest rates and free balance transfers. Plus, you’ll earn valuable rewards points every time you spend.
- Low interest rates
- Free balance transfers
- One reward point for every dollar spent
- Earn unlimited rewards
- Free fraud and ID theft monitoring
Experience the perfect balance of rewards and savings in one benefits-packed card.
Secured MasterCard®
Our secured credit card is a helpful tool if you’re looking to build or rebuild your credit. Make regular payments against a secured deposit in your savings account and watch your credit steadily improve.
- Lower interest rates
- Works like a regular credit card
- Your security deposit earns interest
- Earn rewards and redeem for thousands of options
- Improve your credit history over time
Enjoy all the convenience of a credit card while you build a stronger financial future. Click below to apply.
Credit card reward points: turn every purchase into rewards
Click, swipe, or tap your way to unlimited rewards. Earn points on every dollar you spend, then redeem them through the Navigator Rewards website.
Choose from travel perks like hotel nights and rental car deals, exclusive merchandise, gift cards, or even cash back issued as a statement credit.
Click below to access your rewards account or explore what’s available.
Credit Card Balance Transfer Calculator
See how much you could save by moving debt from a high-interest credit card to a Navigator credit card.
Get more by becoming a member
It pays to belong to Navigator Credit Union. In addition to exclusive credit card benefits, members enjoy a full range of services along with the personalized attention you expect from your credit union.
Free e-Statements
Go paperless with free account statements delivered straight to your inbox.
Bill Pay
Save on stamps and trips to the post office by paying bills securely through online banking.
Financial calculators
Get a clear picture of what you can expect to pay or save with our suite of helpful calculators.
Financial resources
Browse helpful articles and access free counseling to guide your financial decisions.
Contact us
Credit card FAQ
We do not charge annual fees, balance transfer fees, or cash advance fees on our cards. Other fees may apply. Please check your card agreement for full details.
A balance transfer allows you to move debt from one or more existing credit cards onto a new card. To make a transfer, you provide details about the account you want to pay off. Your new card issuer pays that amount and adds it to your new balance. Balance transfers can help you save money when moving a higher-rate balance to a lower-rate card.
By transferring a higher-rate credit card balance to a lower-rate card, you may pay less interest over time. This lets more of your monthly payment go toward reducing the balance. Consolidating multiple balances into a single payment can also make monthly budgeting easier.
A secured credit card helps you build or rebuild credit by requiring a deposit held in a savings account as collateral. Your deposit usually sets your credit limit. You use the card like a regular credit card and make monthly payments on the amount you spend. Making payments on time helps improve your credit history.
If you close the account in good standing, your deposit is returned, often with interest earned. After showing responsible use, many issuers allow you to upgrade to an unsecured card.
You earn one Navigator Rewards point for every dollar you spend on eligible purchases. Points can be redeemed through the Navigator Rewards website for travel, merchandise, gift cards, cash back, and more.
Our mobile app lets you check your credit card balance, monitor transactions, and statements when enrolled in e-Statements. You can also turn your card on or off instantly and report a lost or stolen card.
Yes. You can turn your card off and on within digital banking or our mobile app. You can learn more about managing card controls.
To dispute a credit card charge, log into your online banking dashboard, navigate to the Platinum Mastercard tile. Credit card disputes may take up to 45 days for a resolution. Complete instructions are here to file a dispute. Mastercard® offers zero liability protection for unauthorized transactions when reported promptly. Check your card agreement for more information.
Report your card lost or stolen through digital banking or our mobile app.
From your dashboard, navigate to your checking or savings account and follow these steps:
- Select Card Services
- Select Report card lost or stolen
- Verify your mailing address
- Choose the reason and click Continue
- I lost my card
- My card was stolen
- Someone used my card without my knowledge
You can also message Navigator Credit Union in the mobile app to request a replacement card or call (866) 609-7690 at any time.
Explore our other credit offerings
Loans
We make it easy to apply for the funds you need to buy a home or car, attend college, or take that dream vacation.
Personal loans
Life is full of surprises. A personal loan gives you quick access to the money you need for unexpected expenses or new opportunities.
Mortgages
Build the future you want for your family. Purchase, refinance, or tap into your home’s equity with a mortgage that works for you.