I was getting nervous that there wasn't going to be a round this year, but I did receive a snail mail notification for a targeted balance transfer offer. It's not 0% with no transfer fee this time, but it's very hard to complain about 2.99% for 18 months with no transfer fee! (Sorry for the ripped page; the glue holding it together was a little strong.) The BT period is January 4th through March 31st, so this was either seriously delayed by the postal service or Navy sent these out late.
Your accountability buddy has arrived! You could save with a 2.99% APR for 18 months when you transfer your higher-interest balances from other lenders. After that. your standard variable APR applies.
A balance transfer will allow you to combine credit card balances into one easy payment. Just transfer balances fom other lenders to your existing Navy Federal Credit Card ending in [redacted].
This offer is non-transferable and valid for the intended recipient only. This means that only members who receive this offer directly from Navy Federal are eligible to accept the offer. Offer valid for balances transferred from non-Navy Federal credit cards between 1/4/2023 and 3/31/2023. If you transfer a balance to an existing Navy Federal Credit Card, you will receive a 2.99% APR on the balance transferred
for 18 months. After that, your standard variable APR will apply to any balance remaining. Balance transfers are not eligible to earn rewards. Maximum total transfer amount is limited to your available credit line. Balance transfers using convenience checks are excluded from this offer. If you transfer a balance with this offer, your standard variable APR will be charged on purchases made with your credit card unless your purchases have a 0% APR or you pay the entire balance (including any transferred balances) in full each month by the payment due date. The account must be open and not in default at the time of your balance transfer request. You may transfer a balance to an existing Navy Federal cashRewards, More Rewards American Express, Flagship or Platinum Credit Card by signing in to your account online, calling 1-888-842-6328 or visiting a branch office. Offer excludes Navy Federal Business, Home Equity Line Platinum and nRewards Secured credit cards. Message and data rates may apply. Visit navyfederal.org for more mformation. 2023 Navy Federal
@coldfusion wrote:NFCU didn't show me the lurve this time around. Happily BECU did.
BECU gave me the 12 months at 0% with no fee, too. I just wish this Navy offer had arrived a little earlier. The remainder of last year's BECU balance just ended up at BOA with a fee, and with the balance still reporting on both cards. 😞 (Only temporary thankfully.)
This is still going to be useful, though. Taxes aren't final yet, but they're looking like a painful hit for 2022.
Thanks for the heads up, @K-in-Boston! I was also wondering if NFCU was going to offer anything this year.
Thanks for the heads-up! So far no letter for me. 
I did notice in the fine-print they mention all the NFCU cards except for the Go Rewards... I wonder if more could be read into that? 🤔 Maybe there's a refresh on the horizon...
I have a Go Rewards and a Platinum, so at least there's still a chance in a few days I'll get a love letter for the plat. I have a "standing" offer on my BoA cards for 16-17 months at 0% with a 3% fee, but this works out to be a little better and I'd like to show NFCU some love since it's been a while.
FWIW, @JNA1 got this same offer via email: https://ficoforums.myfico.com/t5/Credit-Cards/Is-Flagship-s-Value-Sinking/m-p/6642016#M1840291
(Just like the mail offer, there's also no mention of the Go Rewards card on his email offer.)
I was hoping that perhaps my letter just got lost in the mail but I reliably get NFCU emails so I guess they just aren't that into me this go around. 
For science called NFCU up and no promotions for BT on Platinum or More rewards cards.. NFCU has been very frustrating with regards to BT offers last few years at least for me.. First year with them I think I have 0/0 on platinum and next year a 0 transfer and 2.99 and nothing for last 2-3 years. . congrats on those that got them
@CreditCuriosity wrote:For science called NFCU up and no promotions for BT on Platinum or More rewards cards.. NFCU has been very frustrating with regards to BT offers last few years at least for me.. First year with them I think I have 0/0 on platinum and next year a 0 transfer and 2.99 and nothing for last 2-3 years.
The 2.99% offer I got is for my Platinum card. The mailer specifically lists the Platinum, cashRewards, More Rewards, and the Flagship, but the email I received only excludes the Business cards, Home Equity Line Platinum, and nRewards Secured cards.
The Home Equity Line Platinum is a different card than the normal Platinum.
No soup for me.
