Is Navy Federal Visa Signature® Flagship Rewards Card the right fit for you?
Last Updated: 02/02/2026
Navy Federal Visa Signature® Flagship Rewards Card
Claimed
Last Updated: 02/02/2026
No Reviews Yet
This product has no reviews yet. Help others by sharing your thoughts.
Be the first to rate
Cast Your Vote
Compare All Credit Cards
Filter & compare all your options in one place.
Highlights
Purchase APR (Variable APR)
14.74% - 18.00%(Verified 02/02/2026)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
14.74% - 18.00%(Verified 02/02/2026)
Disclaimer popup with additional information
Credit Score Range
N/A
Annual Fee
$49
Disclaimer popup with additional information
Navy Federal Visa Signature® Flagship Rewards Card Review
This is a travel card issued by Navy Federal Credit Union. If you're wondering whether Navy Federal Visa Signature® Flagship Rewards 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.
- You can earn 35k bonus points (a $350 value) when you spend $3,500 within the first 90 days of opening. Plus, get a FREE Amazon Prime® membership ($139 value, annually).
- APRs: Navy Federal Visa Signature® Flagship Rewards Card has a variable regular purchase APR that ranges from 14.74% 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 Visa Signature® Flagship Rewards Card
| The Good | The Bad |
|
|
Navy Federal Visa Signature® Flagship Rewards Card FAQ
Does Navy Federal Visa Signature® Flagship Rewards Card have a cash back or rewards program?
Navy Federal Visa Signature® Flagship Rewards Card is a travel rewards card.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Travel | 3 x points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Airfare | 3 x points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | 2 x points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Navy Federal Visa Signature® Flagship Rewards Card have a signup bonus?
Yes. You can earn 35k bonus points (a $350 value) when you spend $3,500 within the first 90 days of opening. Plus, get a FREE Amazon Prime® membership ($139 value, annually).
Does Navy Federal Visa Signature® Flagship Rewards Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Navy Federal Visa Signature® Flagship Rewards Card benefits?
Navy Federal Visa Signature® Flagship Rewards Card 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 Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Navy Federal Visa Signature® Flagship Rewards Card has a variable purchase APR that ranges from 14.74% up to 18.00%. The card has a variable balance transfer APR that ranges from 14.74% 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 Visa Signature® Flagship Rewards Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Navy Federal Visa Signature® Flagship Rewards Card 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 Visa Signature® Flagship Rewards Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $20 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $49 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $20 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of $49.
Does Navy Federal Visa Signature® Flagship Rewards Card 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 Visa Signature® Flagship Rewards Card?
The support contact email for Navy Federal Visa Signature® Flagship Rewards Card is info@navyfederal.org.
How do people rate the customer service and user experience of Navy Federal Visa Signature® Flagship Rewards 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 Card report your account activity to credit bureaus?
Yes, Navy Federal Visa Signature® Flagship Rewards Card 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 Visa Signature® Flagship Rewards Card 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 Visa Signature® Flagship Rewards Card
- Visit the website of Navy Federal Visa Signature® Flagship Rewards Card.
- 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.
Navy Federal Visa Signature® Flagship Rewards Card 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 1/2/26 - 6/30/26.
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.
Hours of Operation
Sunday
Closed
Monday
7:00AM - 5:00PM
Tuesday
7:00AM - 5:00PM
Wednesday
7:00AM - 5:00PM
Thursday
7:00AM - 5:00PM
Friday
7:00AM - 5:00PM
Saturday
Closed
Other Services by Navy Federal Credit Union
Business Checking Accounts
Rating not yet determined (1 Review)
Checking Accounts
16
17 Reviews
Savings Accounts
5
5 Reviews
Business Loans
Rating not yet determined (1 Review)
Business Credit Cards
Rating not yet determined (2 Reviews)
Auto Loans
Rating not yet determined (4 Reviews)
Personal Loans
Rating not yet determined (1 Review)
Private Student Loans
Rating not yet determined (1 Review)
Auto Loan Refinancing
Be the first to rate
Other Credit Cards from Navy Federal Credit Union
Sponsored
Purchase APR
14.15% - 18%
Disclaimer popup with additional information
Balance Transfer APR
14.15% - 18%
Disclaimer popup with additional information
Credit Score Range
N/A
Annual Fee
$0
Sponsored
Navy Federal GO REWARDS® Credit Card
Sponsored
Purchase APR
13.49% - 18%
Disclaimer popup with additional information
Balance Transfer APR
13.49% - 18%
Disclaimer popup with additional information
Credit Score Range
N/A
Annual Fee
$0
Sponsored
Rating not yet determined
Purchase APR
14.15% - 18.00%
Disclaimer popup with additional information
Balance Transfer APR
14.15% - 18.00%
Disclaimer popup with additional information
Credit Score Range
N/A
Annual Fee
$0
Sponsored
Navy Federal Platinum Credit Card
Sponsored
Rating not yet determined
Purchase APR
10.24% - 18.00%
Disclaimer popup with additional information
Balance Transfer APR
10.24% - 18.00%
Disclaimer popup with additional information
Credit Score Range
N/A
Annual Fee
$0
SuperMoney Net Recommendation Score
This product has no reviews yet. Help others by sharing your thoughts.
0
-1000+100
No one recommends
Everyone recommends
Navy Federal Visa Signature® Flagship Rewards Card Community Reviews
Would you recommend Navy Federal Visa Signature® Flagship Rewards Card to your friends?
There are currently no reviews.
You might also like
Best Personal Credit Cards
SuperMoney
Using Your Credit Card and Maintaining a High Credit Score
Gina Roberts-Grey
Can Your Kids Handle Credit Cards?
Audrey Henderson
Don't Want a Credit Card? You're Not Alone
LeeAnn Neal
What Are The Different Types of Credit?
Julie Bawden-Davis
