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  Navy Federal Visa Signature Flagship Rewards Credit Card
Navy Federal Visa Signature Flagship Rewards Credit Card Unaffiliated

Navy Federal Visa Signature Flagship Rewards Credit Card

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Highlights
Purchase APR  (Variable APR) 12.24% - 18.00%
(Verified 10/13/2022)
Balance Transfer APR  (Variable APR) 12.24% - 18.00%
(Verified 10/13/2022)
Credit Score Range 500 - 850
Annual Fee $49

Navy Federal Visa Signature Flagship Rewards Credit Card Review

This 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.

Key Takeaways

  • Generous reward rate. You can get a rewards rate of up to 3 reward points per dollar spent.
  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 0 months , which is shorter than the average 0% APR period of 12 months.
  • Competitive APRs. Navy Federal Visa Signature Flagship Rewards Credit Card has a variable purchase APR that ranges from 12.24% up to 18.00%.
  • $0 Balance transfer fee. This card does not charge a fee on balance transfers.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, access to a concierge, emergency support, extended warranty protection on purchases, identity theft protection, travel accident insurance, travel assistance, and fraud protection.
  • Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have relatively good approval odds.

Pros & Cons of Navy Federal Visa Signature Flagship Rewards Credit Card

The Good The Bad
  • Potentially lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 0 months.
  • No balance transfer fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Access to a concierge.
  • Extended warranty on purchases.
  • Free access to your credit score.
  • Global Entry/TSA Pre✓®.
  • Identity Theft Protection.
  • Travel accident and travel assistance insurance.
  • Considers applicants with fair credit.
  • Cardholders can earn rewards on their purchases.
  • Navy Federal Visa Signature Flagship Rewards Credit Card reports to multiple credit bureaus.
  • Charges an annual fee of $49
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.

Navy Federal Visa Signature Flagship Rewards Credit Card FAQ

Does Navy Federal Visa Signature Flagship Rewards Credit Card have a cash back or rewards program?

Navy Federal Visa Signature Flagship Rewards Credit Card is a travel rewards card.

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

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

This card doesn't offer a cash signup bonus.

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

This card doesn't offer a cash loyalty bonus.

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

It 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 Visa Signature Flagship Rewards Credit Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.

Navy Federal Visa Signature Flagship Rewards Credit Card has a variable purchase APR that ranges from 12.24% up to 18.00%. The card has a variable balance transfer APR that ranges from 12.24% up to 18.00%. It also has a variable cash advance APR starting at 2% . 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 Visa Signature Flagship Rewards Credit Card have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 0 months.

Navy Federal Visa Signature Flagship Rewards Credit Card Balance Transfers
Description
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 0 months
Balance Transfer APR 12.24% - 18.00%
Balance Transfer Fee % 0%

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

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

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

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

The following fees apply:

Navy Federal Visa Signature Flagship Rewards Credit Card Fees
Fees Amount
Annual Fee $49
Foreign Transaction Fee 1%
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 charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.

What is the customer service phone number for Navy Federal Visa Signature Flagship Rewards Credit Card?

The Navy Federal Visa Signature Flagship Rewards Credit Card customer service number is .

What is the support contact email for Navy Federal Visa Signature Flagship Rewards Credit Card?

The support contact email for Navy Federal Visa Signature Flagship Rewards Credit Card is info@navyfederal.org.

What is the Navy Federal Visa Signature Flagship Rewards Credit Card login page?

You can access the Navy Federal Visa Signature Flagship Rewards Credit Card login page here.

How do people rate the customer service and user experience of Navy Federal Visa Signature Flagship Rewards Credit Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

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

Yes, 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 may 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 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
  • 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
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Introductory Rate 1.99%
Purchase Intro APR Period (Variable APR) 12 months
Cash Advance Fee Minimum $0
Minimum Cash Advance Fee ($) $0 - $1
Foreign Currency Transaction Fee 1%
Annual Fee $49
Minimum Interest Charge $0
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee Up to $20
Late Fee Amount Up to $20
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 500 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Emergency Support
  • Fraud Liability
  • Free Credit Score
  • Cellular Telephone Protection
  • Travel Accident Insurance
  • Global Entry / TSA Pre✓®
  • Travel Assistance
  • Concierge
Rewards Categories
  • 3x Points on Travel
  • 2x Points on Airfare
  • 1x Point on Every Purchase
Cash Advance APR (Variable APR) Starting at 2%
APR Type Variable APR
Balance Computation average daily balance (including new transactions)
Penalty APR (Variable APR) 18.00%
Purchase APR (Variable APR) 12.24% - 18.00%
(Verified 10/13/2022)
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 0 months
Balance Transfer APR (Variable APR) 12.24% - 18.00%
(Verified 10/13/2022)
Balance Transfer Fee % 0%
Card Type
  • Rewards
  • Travel
Card Network Visa

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