Navy Federal Platinum

The Platinum is built for one job: moving debt cheaply. Navy Federal charges no balance transfer fee at all, which is rare, and pairs it with a 0.99% intro APR for 12 months and a standard rate that starts at 10.24% and tops out at 18%. That combination means the math can still work even if you need longer than a year to finish paying down the balance, unlike cards that dump you into a 28% rate after the intro window. Be clear on the catch: the intro rate is 0.99%, not 0%, and this card earns no rewards whatsoever, with no annual fee and no foreign transaction fee as its only other selling points. A rental car collision damage waiver and 24/7 travel assistance round it out. Use it to clear a balance at a low rate, then keep a rewards card for actual spending.