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Navy Federal Visa Signature® Flagship Rewards Credit Card review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
15.24% ‐ 18% (Variable)
Interest Rate: Purchases
15.24% ‐ 18% (Variable)
Balance Transfer
15.24% ‐ 18% (Variable)
Balance Transfer
15.24% ‐ 18% (Variable)
2 - 3 points
2 - 3 points
Signup Bonus
Signup Bonus

Informr score
The Navy Federal Visa Signature® Flagship Rewards Credit Card currently has an Informr score of 8 out of 10. This score is based on our evaluation of 9 sources including reviews from users and the web's most trusted critics.

Am I eligible?

Navy Federal Visa Signature® Flagship Rewards Credit Card is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


If you’re already a Navy Federal Credit Union member or eligible to become one, the Navy Federal Visa Signature Flagship Rewards credit card is worth considering. Its rewards rates are solid compared with other travel credit cards and can provide more long-term value than some cards that offer bonus...

- Ben Luthi, Investopedia

The card packs a lot of value for a comparatively low cost, making it an excellent and cost-effective choice for travelers.

- Robin Saks Frankel, Kimberly Palmer, NerdWallet
USA Today
USA Today

The Navy Federal Flagship Rewards credit card is a great choice with some “if’s”attached: If you can meet the institution’s membership requirement, if you don’t already have a travel rewards card that offers similar benefits, and if you can manage the card’s $49 annual fee.

- Jennifer Calonia, Robin Saks Frankel, USA Today

The Navy Federal Visa Flagship Rewards card packs rewards-earning power, but it’s light on perks for a card with an annual fee. We’re confident it’s a card that’ll return solid rewards and though there are likely better cards for those willing to spend more on an annual fee, the extra travel points...

- Chauncey Crail, Glen Luke Flanagan, Forbes
Business Insider
Business Insider

For just $49 per year, the Navy Federal Credit Union® Visa Signature® Flagship Rewards Credit Card offers competitive perks you typically find from more expensive rewards credit cards on the market. In fact, as the credit union's top card, it features benefits like a Global Entry or TSA PreCheck sta...

- Juan Ruiz, Business Insider


Interest Rates
Regular APR Interest Rate 15.24% ‐ 18% (Variable)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 15.24% ‐ 18% (Variable)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 17.24% ‐ 20% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $49.00

Waived on the first year

Balance Transfer Fee $0.00
Cash Advance Fee $0.00
Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $20.00


Sign up bonus No
All Purchases 2 points per $ spent
Restaurants No
Gas No
Groceries No
Hotels 3 points per $1 spent
Travel 3 points per $1 spent

This includes cruise, airline, car rentals, time shares, campgrounds, RV parks, ride sharing services, parking, bridges, tolls, and ferries.

Pharmacy No
Bills No
Additional Details

3 points per $1 spent on entertainment (including museums, amusement parks, public golf course)

Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance Yes
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty No
Purchase Protection Yes
Zero Liability Yes
No Foreign Transaction Fees Yes
Emergency Assistance Yes
Concierge Service No
Price Protection No
Fraud Protection Yes
Free Credit Scores Yes
Wireless Payments No
Virtual Cards No
Additional Benefits
  • Receive statement credits (up to $100) for Global Entry or TSA Pre✓®
  • Lost Luggage Reimbursement
  • ID Navigator Powered by NortonLifeLock
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments -
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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