Balance transfer offer!

Break free from high interest rates! Transfer the balance from your high-interest credit card to a Navigator credit card and take advantage of a 2.99% APR* for 12 months. Use the money you save to help make progress on your debt.

January 1, 2026 – August 31, 2026

2.99% APR on balance transfers for 12 months

Apply for your Navigator Platinum Rewards credit card today!

Apply for a Navigator Platinum Rewards card and enjoy all of the perks!

Apply today

Already have a Navigator credit card? It’s easy to submit a balance transfer request online.

Balance transfer

Please have your credit card payoff amount ready.

Credit Card Balance Transfer Calculator

See how much you could save by transferring your balance from a high-interest credit card to a Navigator credit card.

Credit Card

Platinum Rewards MasterCard®

Our Platinum Rewards card is the perfect card if you carry a balance each month or want to transfer a balance from a high-interest credit card.

Credit Card

Secured MasterCard®

The Navigator Share Secured MasterCard® Credit Card is an invaluable tool whether you’re looking to build credit or rebuild credit.

*APR = Annual Percentage Rate. Cardholders will receive 2.99% promotional APR on balance transfers for the first 12 billing cycles from the date the balance transfer is posted to your account if posted between 1/1/2026 and 8/31/2026. At the end of the promotional period, remaining balances will be at standard APR between 10.9% and 17.9%, based on creditworthiness. Offer may not be used to pay existing Navigator Credit Union loans or credit card debt. Transfers cannot exceed your NCU credit card available credit limit. Subject to change without notice. Membership and credit eligibility requirements apply. Federally insured by NCUA.