Navy Federal Credit Union 0% APR No Balance Transfer Fee Promotion


NavyFed Credit Union has a limited-time promotion going on until Saturday, April 30th where if you do a balance transfer from an external financial institutions to your existing Navy Federal card, you’ll get a 0% APR for 12 months with no balance transfer fee. (All NavyFed cards now have no balance transfer fee, but usually the APR is 10% to 18%.) It is unclear if this offer is targeted to specific customers as it is not mentioned on the home page, but it appears you can simply log in and try for yourself (or call in).

Membership eligibility for NavyFed is primarily restricted to military personnel including Army, Marine Corps, Navy and Air Force – including retirees and family members – but also includes some civilian employees in the Department of Defense. Similar previous offers from NavyFed have used “existing” in their terms to suggest that new credit card applications are ineligible, but that wording does not appear on this offer.

You can save big when you transfer your high-interest credit card balances to your Navy Federal credit card. Make a balance transfer to your Navy Federal credit card and get a 0% intro APR for 12 months. After that, your standard rate will apply. Plus, pay no balance transfer fees.*

This is a solid offer as it has been harder to find a no fee 0% APR balance transfer offer these days even though interest rates are still relatively low. However, you’ll note that Chase is not mentioned in their little balance transfer fee comparison chart as the Slate® Card from Chase is also currently available with a 0% intro APR for 15 months with no balance transfer fee on both balance transfers and purchases and $0 annual fee. You must initiate your balance transfer within 60 days of opening the account.

Both cards are good opportunities to lower the interest rate on your existing balances and accelerate any debt payoff plans. You can even pay off student loans.


  1. Herman Sheynin says:

    There is a caveat with the Chase Slate card which I just learned the hard way. You can only transfer up to $15,000 every 30 days. Since you only get 60 days to transfer without a fee, the most you can transfer without a fee is $30,000. Anything about 30k will be outside of the 60 day window and will incur a 3% fee. This fact is not well advertised.
    So it’s not all unicorns and popcorn with Chase Slate.

    • Thanks for the data point. Though $30k is pretty much the most I’ve ever gotten from any single credit card. How high is your credit limit?

    • I agree with Jonathan. I got $15,000 credit limit for Chase Slate with a perfect credit score. So, anything above that is not realistic. Let alone $30,000. So, that caveat is really irrelevant.

      • Herman Sheynin says:


        It is irrelevant for you since you cannot get more than $15,000 in credit. Remember if you have other Chase credit cards you are able to transfer available credit to Slate then do the fee free transfer.

      • Well, to be fair, Chase credit limits do depend on things other than credit report data like income, specific borrowing history with Chase, and also the merging of other Chase credit lines like Herman mentioned. I’ve probably at one time had about a $40k line on one Chase card. (And maybe even your ability to talk them into it.)

        I think it is useful to know that you can only transfer $15k at one time, or $30k during the Chase Slate 60-day promo period. I was just commenting that if you are comparing to other balance transfer cards, $30k is still a relatively high number. It’s not like other card issuers are giving out $50k or $75k balance transfers without blinking an eye. 🙂

  2. What is the maximum amount one can transfer to NavyFed? Couldn’t find this information from Navy Fed site. thanks

  3. nomdeplume says:

    This NFCU offer is not available to all. It is targeted.

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