Finder makes money from featured partners, but editorial opinions are our own. Advertiser Disclosure

NASA Federal Platinum Advantage Rewards Credit Card review

A no-annual-fee rewards credit card.

  • Get this card if you want a card with a relatively low APR and flat rewards on all purchases.
  • Pick something else if you want 0% intro APR on balance transfers.
  • Apply with a good to excellent credit score of 670 or higher.

1x points on all purchases



Annual fee

9.4% to 17.99% variable

Purchase APR


Minimum Credit Score


Annual fee$0
Welcome offerN/A
Rewards1x points on all purchases
Purchase APR9.4% to 17.99% variable
Balance transfer APR6.9% intro for the first lifetime of the balance (then 9.40% - 17.99% variable)
Minimum Credit Score670

Review by

Kevin Joey Chen is a credit cards, banking and investments writer whose work and analysis have appeared on CNN, U.S. News & World Report,, Lifehacker and He's passionate about helping you get your finances in order by expertly navigating cutting-edge financial tools — including credit cards, apps and budgeting software.

Expert review

The NASA Federal VISA Platinum Advantage Rewards card is a simple no-annual-fee credit card option that lets you earn unlimited 1x points on all purchases. In addition, you get one of the lowest interest rates you can find in a credit card. But that’s as far as the perks go.

On the downside, you don’t get to earn a signup bonus and you don’t get a 0% intro APR period on purchases and balance transfers. What’s more, the 1x points rewards rate is stingy when compared with similar cards. If you shop around, you’ll likely find 1.5x points cards that also have a 0% intro APR period and a signup bonus.

How to apply for the NASA Federal Platinum Advantage Rewards Credit Card

1. Go to the NASA Federal Credit Union website and click Apply Now.
2. Select the Platinum Advantage Rewards card.
3. Complete the application with details like your name, address, annual income and Social Security number.
4. Review and submit your application.

What credit score do I need?

You’ll have a better chance of being approved for this card if you apply with a good to excellent credit score of 670 to 850.

What’s actually considered a good credit score?

Card benefits

  • No annual fee.

    A $0 annual fee makes it easy to keep the NASA Federal Platinum Advantage Rewards Credit Card card long term.

  • No balance transfer fees.

    Depending on how much you want to move to the NASA Federal Platinum Advantage Rewards Credit Card, this could be a great perk. Most cards charge 3% of the transfer amount in fees. So, if you transferred $8,000, you’d pay a fee of $240.

    If you transferred the same amount to the NASA Federal Platinum Advantage Rewards Credit Card, you’d pay $0.

  • Rewards.

    Earn 1 point per dollar you spend on all purchases. Redeem points for travel and merchandise.

    It’s nice to have rewards, but you’ll earn more with other cards. For example, the Citi® Double Cash Card offers 1% cash back on purchases when you buy, and another 1% when you pay your bill.

  • Potentially low APR.

    Depending on your credit score, you may qualify for a purchase APR as low as 9.4% variable.

Other benefits

  • No foreign transaction fees.
  • No over-the-credit-limit fee.
  • Car rental insurance.
  • 24-hour travel and emergency assistance.
  • Extended warranty program.
  • Card Fraud Alert text service to notify you of suspicious transactions.

What to know before you apply

To apply for the NASA Federal Platinum Advantage Rewards Credit Card, you must be at least 18 years old.

You must also be a member of the NASA Federal Credit Union. To join, you must meet one of these requirements:

  • You’re an employee or retiree of NASA Headquarters, a NASA Center or Facility, or National Academy of Sciences.
  • You’re an employee or member of a NASA Federal Credit Union partner.
  • You’re a relative or household member of a current NASA Federal Credit Union member.

If none of those apply to you, you can ask for a complimentary membership to the National Space Society (NSS). Your NSS membership makes you eligible for the NASA Federal Credit Union.

Information you’ll need

  • Your full name and contact information.
  • Your residential status.
  • Your annual income, source of income and employment information.
  • Your Social Security number.

What to watch out for

  • No intro APR period. Most rewards credit cards offer a 0% intro APR period on purchases, balance transfers or both. This card, however, doesn’t have any of that.
  • No signup bonus. Another feature this card lacks is a bonus once you signup.
  • Penalty APR.
    NASA Federal Credit Union may apply a penalty APR of 18% fixed to your account if you make a late payment. This rate will apply until you make six consecutive on-time payments. NASA FCU’s penalty APR is much lower than that of other credit card providers where you can see an APR of up to 32%. Still, don’t be afraid to compare other credit cards if you don’t like penalty APRs. There are plenty of providers that don’t charge them, like the KeyBank Latitude® Credit Card.

Compare reward credit cards with no annual fee

Name Product Annual fee Balance transfer APR Purchase APR Filter values
Capital One Quicksilver Cash Rewards Credit Card
0% intro for the first 15 months (then 14.99% to 24.99% variable)
0% intro for the first 15 months (then 14.99% to 24.99% variable)
One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Capital One VentureOne Rewards Credit Card
0% intro for the first 15 months (then 14.99% to 24.99% variable)
0% intro for the first 15 months (then 14.99% to 24.99% variable)
Earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening.
Blue Cash Everyday® Card from American Express
0% intro for the first 15 months (then 13.99% to 23.99% variable)
Earn a $200 statement credit after spending $2,000 in the first 6 months. This is a higher-than-average welcome offer for a card with no annual fee. Terms apply, see rates & fees

Compare up to 4 providers

How does a balance transfer work with this card?

  1. Apply for the card.
    You can make a balance transfer when you open your credit card. If you don’t want to, you can request one later.To make a balance transfer, you’ll need the account number of your existing balance. You’ll also need personal information like your income, employment details and Social Security number.

    You’ll pay $0 fee to make a balance transfer.

  2. Keep track of balance transfer time limits.
    NASA Federal Credit Union offers an introductory 6.9% fixed APR, but only on transfers you make within the first lifetime of the balance of opening your card. Balance transfers after that time are subject to a variable APR between .If you’re unsure whether your balance transfer will qualify for the introductory APR, contact NASA Federal Credit Union support.
  3. Keep track of your balance transfer details.
    If your balance transfer qualifies, you’ll pay 6.9% fixed APR on the balance for as long as you remain a cardholder. Though 6.9% is lower than the average credit card APR, it’s not an extremely low interest rate. If you keep a balance on your card for a long time, the interest adds up. Consider creating a plan to pay down your debt.

What is intro APR?

I got the card. Now what?

  • Make timely payments. Pay your bill online at the NASA Federal Credit Union website, where you can enroll in autopay.
  • Avoid interest. After the close of each billing cycle, you have a grace period of at least 25 days to pay your balance. If you do, you won’t pay interest on your purchases.
  • Avoid fees. Late and returned payments come with fees of up to $35. Cash advances also come with fees.
  • Contact customer service. If you have questions, contact NASA Federal Credit Union at 888-627-2328.

Bottom line

With the NASA Federal Platinum Advantage Rewards Credit Card you get to earn 1x points on all purchases and you don’t pay an annual fee. But if you want a higher rewards rate and additional features, compare other no-annual-fee credit cards until you find one that best complements your financial lifestyle.

Frequently asked questions


Ask an expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use and Privacy and Cookies Policy.
Go to site