The content is accurate at the time of publication and is subject to change.

This content is not provided by Citi. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by the Citi.

The Navy Federal Credit Union Platinum credit card may not be the best choice. First, it doesn't offer a 0% intro APR on Purchases. Ongoing variable APR is 5.99%-18.00% based on your creditworthiness. The card also doesn't have a rewards program.

Having excellent credit, you'd better consider the Citi Rewards+® Card. This card comes with a 0% intro APR on Purchases and Balance Transfers (APR of 18.74% - 28.74% (Variable) applies after that). In addition, the Citi card allows you to earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. And Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at