Navy federal platinum credit card pre approval

• Credit Cards /
• Special Offers

Save on Balance Transfers With a Low Intro APR

1. Step 1

   Apply for a Card

   You'll have to supply some personal information on the application, including your annual income and housing information. You can add an authorized user if you like, but you'll also have the option to do this later. Keep in mind that you need to be a Navy Federal member before applying for one of our cards.
   

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2. Step 2

   Credit Check

   We’ll contact one of the three major credit bureaus to check your credit history. Your credit score and other factors (like how much debt you already have) will help determine if you’re approved, your interest rate and your credit limit.
   

   The credit bureau inquiry results in a “hard pull” and could impact your credit score depending on how many times you’ve recently applied for credit. The effect on your credit score is determined by the credit bureau standards.
   

   

3. Step 3

   Text Approval

   If we have a phone number on file for you and you’re approved, we’ll send you a text letting you know our decision.
   

   

4. Step 4

   If You’re Not Approved

   If your application isn’t approved, you’ll receive a letter within 30 days explaining the reason.
   

   Didn’t qualify for the card you wanted? Consider our nRewards® Secured card—a great option for building and improving credit. Or, visit MakingCents for resources to help you get back on track.
   

   

5. Step 5

   Get Your New Card

   Look for your card in the mail within 7 to 10 days of your approval. You’ll also find out what terms you’re approved for, like interest rate and spending limit.

   What credit score do you need for Navy Federal Platinum?

   Navy Federal Credit Card Credit Score Requirements Navy Federal Credit Union Platinum Credit Card: 700 (Good credit). Navy Federal Credit Union More Rewards American Express® Credit Card: 700 (Good credit). Navy Federal Credit Union nRewards® Secured Credit Card: 300 (Bad credit).

   Which Navy Federal card is the easiest to get approved for?

   The easiest Navy Federal credit card to get is the Navy Federal Credit Union nRewards® Secured Credit Card because you can get approved with Bad credit. The Navy Federal Credit Union nRewards® Secured Credit Card requires a refundable deposit (minimum of $200), and the deposit becomes your credit limit.

   Does Navy Federal do a hard pull for pre approval?

   Navy Federal credit card pre-approvals do not affect your credit score, as they're done using a soft "pull", or inquiry. But if you decide to submit an application for any Navy Federal card, the issuer will conduct a hard inquiry, which will lead to a slight, but temporary decrease in your credit score.

   What is a platinum card Navy Federal?

   The Navy Federal Platinum card is primarily designed for people who want to take advantage of its low interest rate. If you tend to carry a balance from month to month or need a backup to your emergency savings, this card can be great for that. It can also be useful for balance transfers when you first get the card.