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  Navy Federal Visa Signature Flagship Rewards Credit Card

Navy Federal Visa Signature Flagship Rewards Credit Card

in Personal Credit Cards from Navy Federal Credit Union

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Navy Federal Visa Signature Flagship Rewards Credit Card

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in Personal Credit Cards from Navy Federal Credit Union

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Highlights
Highlights
Purchase APR  (Variable APR) 11.49% - 18%
Balance Transfer APR  (Variable APR) 11.49% - 18%
Credit Score Range 700 - 850
Annual Fee $49

Navy Federal Visa Signature Flagship Rewards Credit Card Review

Navy Federal Visa Signature Flagship Rewards Credit Card is a rewards credit card issued by Navy Federal Credit Union. If you're wondering whether Navy Federal Visa Signature Flagship Rewards Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways
  • Generous reward rate. You will get a a rewards rate of 3 points per dollar spent.
  • Competitive APRs. Navy Federal Visa Signature Flagship Rewards Credit Card has a variable purchase APR that ranges from 11.49% up to 18%.
  • $0 Balance transfer fee. This card does not charge a fee on balance transfers.
  • $0 foreign transaction fee. This card does not charge foreign transaction fees, which makes a great credit card to carry with you when traveling abroad.
  • Multiple credit card benefits. Includes generous credit card perks, such as access to a concierge, Global Entry / TSA Precheck Fee Credit, and fraud protection.
  • Good or better credit required. You should probably try with another card if your credit score is below 700.
Navy Federal Visa Signature Flagship Rewards Credit Card Pros & Cons
The Good The Bad
  • Lower than average purchase APRs.
  • Has an introductory APR rate on balance transfers of 1.99%.
  • No balance transfer fee.
  • Multiple credit card perks.
  • Access to a concierge.
  • Global Entry / TSA Precheck Fee Credit.
  • No foreign transaction fee.
  • Cardholders can earn rewards on every purchase.
  • Earn rewards on every purchase.
  • Navy Federal Visa Signature Flagship Rewards Credit Card reports to multiple credit bureaus.
  • Cardholders can earn rewards on their purchases.
  • Requires good to excellent credit.
  • Charges an annual fee of $49
  • Does not offer a signup bonus.
Navy Federal Visa Signature Flagship Rewards Credit Card FAQ

Is there a Navy Federal Visa Signature Flagship Rewards Credit Card cash back or rewards program?

Navy Federal Visa Signature Flagship Rewards Credit Card offers a rewards program to its customers.

Navy Federal Visa Signature Flagship Rewards Credit Card Rewards
Rewards rate (all purchases) 2%
Max rewards rate 3%
Annual rewards limit N/A
Signup Bonus ($) N/A

Does Navy Federal Visa Signature Flagship Rewards Credit Card have a signup bonus?

Navy Federal Visa Signature Flagship Rewards Credit Card doesn't offer a cash signup bonus.

Does Navy Federal Visa Signature Flagship Rewards Credit Card offer an annual loyalty bonus?

Navy Federal Visa Signature Flagship Rewards Credit Card doesn't offer a cash loyalty bonus.

What are the Navy Federal Visa Signature Flagship Rewards Credit Card benefits?

Navy Federal Visa Signature Flagship Rewards Credit Card provides the following benefits:

  • Cellular Telephone Protection
  • ID Theft Protection
  • Reports to major credit bureaus

What are the relevant APRs for Navy Federal Visa Signature Flagship Rewards Credit Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Navy Federal Visa Signature Flagship Rewards Credit Card has lower than average purchase APRs.

Navy Federal Visa Signature Flagship Rewards Credit Card has a variable purchase APR that ranges from 11.49% up to 18%. The card has a variable balance transfer APR that ranges from 11.49% up to 18%. It also has a variable cash advance APR that ranges from 13.49% up to 20%. Note that late payments are subject to an APR of 18% 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 Visa Signature Flagship Rewards Credit Card have an introductory APR offer on balance transfers?

Yes, Navy Federal Visa Signature Flagship Rewards Credit Card offers an introductory APR rate on balance transfers of 1.99% for a period of up to 12 months.

Navy Federal Visa Signature Flagship Rewards Credit Card Balance Transfers
Description
Balance Transfer APR 11.49% - 18%
Balance Transfer Introductory APR 1.99%
Balance Transfer Intro APR Period (months) 12
Balance Transfer Fee % 0%
Balance Transfer Fee % After Intro Period N/A
Balance Transfer Fee Intro Period (days) N/A
Balance Transfer Fee Minimum N/A

Does Navy Federal Visa Signature Flagship Rewards Credit Card have an introductory APR offer on new purchases?

This card does offer an introductory APR rate of 1.99% on qualified purchases for a period of up to 12 months.

Navy Federal Visa Signature Flagship Rewards Credit Card Purchase Intro Offer
Description
Introductory Rate 1.99%
Purchase Intro APR Period (months) 12

What are the fees for Navy Federal Visa Signature Flagship Rewards Credit Card?

The following fees apply to Navy Federal Visa Signature Flagship Rewards Credit Card:

Navy Federal Visa Signature Flagship Rewards Credit Card Fees
Fees Amount
Annual Fee $49
Foreign Transaction Fee 0%
Returned Payment Fee up to $20
Late Payment Fee up to $20

Does Navy Federal Visa Signature Flagship Rewards Credit Card have a foreign transaction fee?

Navy Federal Visa Signature Flagship Rewards Credit Card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

Does Navy Federal Visa Signature Flagship Rewards Credit Card report your account activity to credit bureaus?

Navy Federal Visa Signature Flagship Rewards Credit Card reports your account activity to the following credit reporting agencies:

  • 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 can help improve your credit.

How to apply for Navy Federal Visa Signature Flagship Rewards Credit Card

  • Visit the Navy Federal Visa Signature Flagship Rewards Credit Card website.
  • 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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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.

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.

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • 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

Feature Breakdown

Airfare (Points) 3
Every Purchase (Points) 2X points on everything else
Introductory Rate 1.99%
Purchase Intro APR Period (Variable APR) 12 months
Cash Advance Fee Minimum $0
Foreign Currency Transaction Fee 0%
No Foreign Transaction Fee  
No Interest Grace Period for Late Payment 25 days
Minimum Cash Advance Fee ($) $0 - $1
Annual Fee $49
Returned Payment Fee Up to $20
Late Fee Amount Up to $20
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 - 850
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Cellular Telephone Protection
  • Concierge
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Free Credit Score
  • Global Entry / TSA Precheck Fee Credit
  • Identity Theft Protection
  • Travel Accident Insurance
  • Travel Assistance
Bonus Rewards Receive statement credit (up to $100) for Global Entry or TSA Pre
Rewards Categories
  • Airfare
  • Every Purchase
  • Travel
Rewards Type Points
Cash Advance APR (Variable APR) 13.49% - 20%
Balance Computation average daily balance (including new transactions)
Penalty APR (Variable APR) 18%
Purchase APR (Variable APR) 11.49% - 18%
Balance Transfer Introductory APR (Variable APR) 1.99%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 11.49% - 18%
Balance Transfer Fee % 0%

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