To continue enjoying all the features of Navy Federal Online, please use a compatible browser. You can confirm your browser capability here.

Get the Most Travel Rewards With Our Top-Tier Credit Card

You could earn 40,000 bonus points (a $400 value) when you spend $3,500 within 90 days of opening a new card account.1 Plus, enjoy a year of free Amazon Prime® (a $139 value).2 See offer details.

Apply Now for the nRewards Credit Card

Not a member? Join today.

Our Members Love Their Visa Signature® Flagship Rewards Credit Card

This card is best for...

  • Maximizing Your Rewards

  • Travel

  • Very Good to Excellent Credit

Do You Prequalify?

If you're already a member, you can find out if you prequalify for a credit card before you submit an application. This won't affect your credit score.

Prequalify Me for a credit card

Rates, Fees & Rewards

Rates

Purchase & Balance Transfer Variable APR between

15.24% - 18.00% 3

Terms & Conditions

Fees

  • $49 annual fee3
  • No balance transfer fees
  • No foreign transaction fees
  • No cash advance fees

Rewards

  • 3X points on travel4
  • 2X points on everything else
  • Receive statement credits (up to $100) for Global Entry or TSA Pre✓®5
  • No rewards limit or expiration

Program Description

How Many Points Can I Earn From the Flagship Credit Card?4

Features & Benefits

  • No rewards limit
  • No reward expiration while account is open
  • Points redeemed for cash, travel, gift cards and merchandise
  • Receive statement credit (up to $100) for Global Entry or TSA Pre✓® 5
  • Enjoy Amazon Prime® free for a year2
  • Worldwide Automatic Travel Accident Insurance, plus travel and emergency assistance

Learn More about the Flagship credit card

Included With All Navy Federal Credit Cards

  • Use your credit card before it arrives in the mail if you qualify for digital issuance
  • 24/7 access to our stateside member service reps
  • No balance transfer or foreign transaction fees6
  • Ability to freeze and unfreeze your cards
  • Zero Liability policy for unauthorized transactions
  • Fraud notifications*
  • Access to your credit score

Learn More about the benefits included with all Navy Federal credit cards

Cardholder Resources

View MoreCardholder Resources

Credit Card Learning Center

View MoreCredit Card Learning Center

Disclosures

1

Offer valid for cardholders issued new Visa Signature® Flagship Rewards Credit Card accounts. To be eligible for the 40,000 points offer, you must make $3,500 or more in net purchases within 90 days of account opening. Rewards are earned on eligible net purchases. "Net purchases" means the sum of your eligible purchase transactions minus returns and refunds. Eligible purchase transactions do not include, and rewards are not earned for, the following transactions: cash advances, convenience checks, balance transfers, gambling, or fees of any kind, including finance charges, late fees, returned check fees, ATM cash advance fees, and annual fees, if any. Cash-equivalent transactions, such as the purchase, loading, or reloading of gift and prepaid cards (e.g., money orders, GO Prepaid Cards, and other cash-equivalent gift cards), may not be eligible purchase transactions and may not earn rewards. Please allow up to 8 weeks after the 90-day period for the 40,000 points to post to your rewards balance. Account must be open and not in default at the time the 40,000 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. Valid for offers applied for between 05/01/2024 and 06/30/2024.

2

Offer applies only to annual Amazon Prime memberships. Not valid for recurring membership monthly payment option or Amazon Prime Student. Annual membership must be purchased by 01/01/2025. Offer valid for your Visa Signature® Flagship Rewards Credit Card and is not transferable. Limit of one promotional offer per card. Please allow 6–8 weeks after the membership is renewed or opened 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.

3

As of 05/30/2024, rates range from 15.24% APR to 18.00% APR, are based on creditworthiness, and will vary with the market based on the U.S. Prime Rate. ATM cash advance fees: None, if performed at a Navy Federal branch or ATM. Otherwise, $0.50 per domestic transaction or $1.00 per foreign transaction. $49 annual fee for Visa Signature® Flagship Rewards.

4

Visa Signature Flagship Rewards Credit Cards earn 3 points for every $1 of net purchases made on travel and 2 points for every $1 of other net purchases. "Net purchases" means the sum of your eligible purchase transactions minus returns and refunds. Eligible purchase transactions do not include, and rewards are not earned for, the following transactions: cash advances, convenience checks, balance transfers, gambling, or fees of any kind, including finance charges, late fees, returned check fees, ATM cash advance fees, and annual fees. Cash-equivalent transactions, such as the purchase, loading, or reloading of gift and prepaid cards (e.g., money orders, GO Prepaid Cards, and other cash-equivalent gift cards), may not be eligible purchase transactions and may not earn rewards. 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.

5

Receive up to $100 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 $100 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/travel/trusted-traveler-programs/global-entry. 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.

6

As of 05/30/2024, nRewards® Secured card rate is 18.00% APR and will vary with the market based on the U.S. Prime Rate. All other Navy Federal Credit Card rates range from 11.24% APR to 18.00% APR, are based on product type and creditworthiness, and will vary with the market based on the U.S. Prime Rate. ATM cash advance fees: None if performed at a Navy Federal branch or ATM. Otherwise, $0.50 per domestic transaction or $1.00 per foreign transaction. $49 annual fee for Visa Signature® Flagship Rewards.

The views expressed in the reviews are solely those of the individuals posting them. The testimonials are substantively the words of the individual reviewer, but may have undergone minor clerical revisions to ensure readability, add context, or protect private information. Any imagery displayed is for decorative purposes only and is not necessarily associated with the reviewer.

 Amazon and all related logos are trademarks of Amazon.com, Inc. or its affiliates.