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. This review will provide you with with all the details you need to make a good choice.

• Generous reward rate. You will get a rewards rate of up to 3 reward points per dollar spent.
• Competitive APRs. Navy Federal Visa Signature Flagship Rewards Credit Card has a variable purchase APR that ranges from 9.65% up to 18%.
• $0 Balance transfer fee. This card does not charge a fee on balance transfers.
• 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 rental insurance, access to a concierge, emergency support, extended warranty protection on purchases, Global Entry / TSA Precheck Fee Credit, 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 good approval odds.

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. 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. Identity Theft Protection. Travel accident and travel assistance insurance. Considers applicants with fair or poor credit. No foreign transaction fee. 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.

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

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. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 9.65% up to 18%. The card has a variable balance transfer APR that ranges from 9.65% up to 18%. It also has a variable cash advance APR that ranges from 9.65% up to 18%. 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 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	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?

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.