Last Updated: 09/14/2026
Navy Federal Flagship Premier Visa Signature®
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Last Updated: 09/14/2026
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Highlights
Purchase APR (Variable APR)
15.74% - 18.00%(Verified 09/14/2026)
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Balance Transfer APR (Variable APR)
15.74% - 18.00%(Verified 09/14/2026)
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Credit Score Range
N/A
Annual Fee
$95
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Navy Federal Flagship Premier Visa Signature® Review
This is a travel card issued by Navy Federal Credit Union. If you're wondering whether Navy Federal Flagship Premier Visa Signature® is the right card for you, read on.
Key Takeaways
- Generous reward rate. You can get a rewards rate of up to 4 reward points per dollar spent.
- You can earn 50,000 bonus points (a $500 value) when you spend $4,000 within the first 90 days of opening your account. Offer expires 1/3/27.
- APRs: Navy Federal Flagship Premier Visa Signature® has a variable regular purchase APR that ranges from 15.74% up to 18.00%.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, access to a concierge, emergency support, extended warranty protection on purchases, identity theft protection, travel accident insurance, travel assistance, and fraud protection.
Pros & Cons of Navy Federal Flagship Premier Visa Signature®
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Navy Federal Flagship Premier Visa Signature® FAQ
Does Navy Federal Flagship Premier Visa Signature® have a cash back or rewards program?
Navy Federal Flagship Premier Visa Signature® is a travel rewards card.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Travel | 4 x points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Airfare | 4 x points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Restaurants | 3 x points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | 1 x points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Navy Federal Flagship Premier Visa Signature® have a signup bonus?
Yes. You can earn 50,000 bonus points (a $500 value) when you spend $4,000 within the first 90 days of opening your account. Offer expires 1/3/27.
Does Navy Federal Flagship Premier Visa Signature® offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Navy Federal Flagship Premier Visa Signature® benefits?
Navy Federal Flagship Premier Visa Signature® provides the following benefits:
- Free Credit Score
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Zero fraud liability
- Travel Accident Insurance
- Cell Phone Protection
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Navy Federal Flagship Premier Visa Signature®?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of September 2026) is 22.15%. This card has lower than average regular APRs.Navy Federal Flagship Premier Visa Signature® has a variable purchase APR that ranges from 15.74% up to 18.00%. The card has a variable balance transfer APR that ranges from 15.74% up to 18.00%. It also has a variable cash advance APR of 18% .
Note that late payments are subject to an APR of 18.00% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.Does Navy Federal Flagship Premier Visa Signature® have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Navy Federal Flagship Premier Visa Signature® have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Navy Federal Flagship Premier Visa Signature®?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $95 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $20 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of $95.
Does Navy Federal Flagship Premier Visa Signature® have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the support contact email for Navy Federal Flagship Premier Visa Signature®?
The support contact email for Navy Federal Flagship Premier Visa Signature® is info@navyfederal.org.
How do people rate the customer service and user experience of Navy Federal Flagship Premier Visa Signature®?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Navy Federal Flagship Premier Visa Signature® report your account activity to credit bureaus?
Yes, Navy Federal Flagship Premier Visa Signature® reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Navy Federal Credit Union perform a hard credit pull?
Yes, Navy Federal Flagship Premier Visa Signature® performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Navy Federal Flagship Premier Visa Signature®
- Visit the website of Navy Federal Flagship Premier Visa Signature®.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Provider Disclosure: See Navy Federal for details on the auto rental collision damage waiver (https://www.navyfederal.org/content/dam/nfculibs/pdfs/credit-debit-cards/nfcu_821wmc.pdf), their zero liability policy (https://www.navyfederal.org/services/security/zero-liability.html) and their Global Entry benefit (https://www.navyfederal.org/content/dam/nfculibs/pdfs/credit-debit-cards/823cc.pdf)
1 Offer valid for cardholders issued new Visa Signature® Flagship Rewards Credit Card accounts. To be eligible for the 35,000 points offer, you must make $3,500 or more in eligible purchases within 90 days of account opening. Eligible purchases are purchases for goods and services, minus returns and other credits. Eligible purchases do not include fees, interest charges, balance transfers, gambling, convenience checks, cash advances, or other cash-equivalents (e.g. money orders, gift cards, prepaid cards). Please allow up to 8 weeks after the 90-day period for the 35,000 points to post to your rewards balance. Account must be open and not in default at the time the 35,000 points are scheduled to post to your rewards balance. Limit of one promotional offer at account opening. Navy Federal reserves the right to change or end this offer at any time without notice. Offer valid for accounts applied for between 07/01/2026 and 01/03/2027.
2 Offer applies only to Amazon® Prime Annual membership that is paid with your Visa Signature® Flagship Rewards Credit Card and posted to your account. Offer is not valid for monthly payment Prime membership options such as Prime Monthly, Prime for Young Adults, and Prime Access. Limit of one Amazon statement credit per Visa Signature® Flagship Rewards Credit Card account, per year. Please allow 6-8 weeks after the Prime Annual membership is paid for the statement credit to post to your account. Navy Federal reserves the right to end or modify this offer at any time without notice. Amazon and all related logos are trademarks of Amazon.com, Inc. or its affiliates.
3 Visa Signature® Flagship Rewards Credit Cards earn 3 points for every $1 of eligible purchases made on travel and 2 points for every $1 of other eligible purchases. Eligible purchases are purchases for goods and services, minus returns and other credits. Eligible purchases do not include fees, interest charges, balance transfers, gambling, convenience checks, cash advances, or other cash-equivalents (e.g., money orders, gift cards, prepaid cards). A travel purchase may only earn 2 points per dollar spent, depending on the merchant code used to process the transaction. Travel is typically categorized under merchant category codes such as airline, hotel, car rental, bus lines, taxis, cruise lines, time shares, parking, and transit. Additional categories may be ineligible, in which case you will receive 2 points per dollar spent at these locations based on the merchant category codes. For more information, view the Flagship Rewards Program Description.
4 Receive up to $120 in statement credits for Global Entry or TSA Pre✓® charges that are processed after the Global Entry program application fee or TSA Pre✓® application fee is charged to your Visa Signature® Flagship Rewards Card. Visa Signature Flagship Rewards Cardholders are entitled to up to $120 in statement credits per eligible Visa Signature Flagship Rewards Credit Card number every 4 years per Global Entry or TSA Pre✓® program. The 4-year period is based on the date of the first qualified transaction. Statement credits are applied to application fee charges made on or after account opening. Please allow 6-8 weeks after the applicable program application fee is charged for the statement credit(s) to post to your account. Cardholders are responsible for payment of all charges until the statement credit(s) post(s) to their account. Visa® and Navy Federal Credit Union reserve the right to modify or cancel this offer at any time and without notice. Global Entry is a U.S. Government program, operated by U.S. Customs and Border Protection (CBP). TSA Pre✓® is an expedited airport security program operated by the U.S. Transportation Security Administration (TSA) that allows low-risk travelers within the United States to speed through security at select airports. Visa and Navy Federal Credit Union have no liability with regards to the Global Entry and TSA Pre✓® programs and have no control over either program, including, but not limited to, the application, approval process or enrollment, and fees charged. For complete details on the Global Entry program, including full terms and conditions, go to cbp.gov/global-entry/about. For more information about TSA Pre✓® and the application process, visit tsa.gov/precheck. The TSA Pre✓® trademark is used with the permission of the U.S. Department of Homeland Security.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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Availability
Available in 50 states and Washington, D.C.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
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