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.

• 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 of 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 rental insurance, access to a concierge, emergency support, extended warranty protection on purchases, Global Entry / TSA Precheck Fee Credit, travel accident insurance, travel assistance, and fraud protection.
• Good or better credit required. You should probably try with another card if your credit score is below 700.

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. No foreign transaction fee. 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. Offers auto rental collision damage waiver. Access to a concierge. Extended warranty on purchases. Free access to your credit score. Global Entry / TSA Precheck Fee Credit. Travel accident and travel assistance insurance.

Requires good to excellent credit. Charges an annual fee of up to $49. Does not offer a signup bonus.

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

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

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

• Free Credit Score
• Auto Rental Collision Damage Waiver
• Emergency Support
• Extended Warranty Protection
• Zero fraud liability
• Travel Accident Insurance
• Cellular Telephone Protection
• Travel Assistance
• 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.

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

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	up to $49
Foreign Transaction Fee	0%
Balance Transfer Fee	0%
Returned Payment Fee	up to $20
Late Payment Fee	up to $20

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 score.

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.