Credit Cards

Earn unlimited rewards, consolidate debt and build and improve your credit with
a Navigator Platinum Rewards card today.

2.99% APR on balance transfers for 12 months

Apply for a Navigator Platinum Rewards card with no cash advance fees and unlimited rewards.

Apply today
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.

Plus, earn Navigator Reward points with every purchase

You’ll earn one Navigator Reward point for every dollar spent. You can redeem those points for thousands of options including travel, merchandise, cashback and more. Log into your Navigator Rewards here.
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Break free of high interest and extra fees

No annual fee, balance transfer fees or cash advance fees

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Free ID theft protection

The program helps eliminate the worry of identity theft by monitoring and alerting you of any suspicious activity.

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Contactless payments

You can insert, swipe, tap or hold your card over a contactless-enabled terminal to complete a transaction.

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.

Get started

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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.

APR = Annual Percentage Rate. Membership eligibility requirements apply. 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. Applications are subject to credit worthiness including income, debt ratio, employment and credit history. Verification of income may be required. Federally insured by NCUA.
As of 12/12/2025, fixed rates range from 10.90%–17.90% APR and are based on creditworthiness. APR=Annual Percentage Rate. ATM cash advance fees: None if performed at a Navigator Credit Union branch or ATM. Otherwise, $1.50 per domestic transaction or 2% per foreign transaction. Membership eligibility requirements apply.
These calculators are made available to you as informational and educational tools for your independent use and are not intended to provide financial or investment advice. These calculators are not offers, representations or warranties and do not describe any particular products or services. Results depend on many factors, including the information you provide and we do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. You should not take any action on the basis of the information provided through these calculators. These calculators are not investment, legal, accounting or tax advice. Please consult with your financial, investment, tax and/or legal advisors for advice regarding your personal circumstances.