This card is best for...
Maximizing Your Rewards
Very Good to Excellent Credit
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.
Rates, Fees & Rewards
- $49 annual fee1
- No balance transfer fees
- No foreign transaction fees
- No cash advance fees
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✓® 3.
- Worldwide Automatic Travel Accident Insurance
- Travel and emergency assistance
- Cell phone protection
Included With All Navy Federal Credit Cards
- 24/7 access to stateside member reps
- No balance transfer or foreign transaction fees4
- Ability to freeze and unfreeze your cards
- Zero Liability policy for unauthorized transactions
- Fraud notifications*
- Access to your FICO® Score5
Redeem Credit Card Rewards
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Use your credit card to shop our online Member Deals. You'll get higher rewards just for purchasing through Member Deals, free shipping from certain retailers, exclusive offers and other perks.Learn Moreabout Member Deals
Get Your FICO® Score
Stay on top of your credit. Sign in to your Navy Federal account to easily view your FICO Score.Learn Moreabout Get Your FICO® Score
Credit Card Basics
How to Apply for a Credit Card
Demystify the application process. Learn how to apply, how long the process takes and what the impact will be on your credit.Learn Moreabout How to Apply for a Credit Card
How Credit Cards Work
Credit cards are valuable tools to establish and build credit. Learn how they work and how to use them responsibly.Learn Moreabout How Credit Cards Work
Visit MakingCents to learn what affects your credit score and how you can build a strong credit history.Learn Moreabout Understanding Credit
Learn how you can move your current credit card balance to a Navy Federal card to consolidate debt and potentially lower payments.Learn Moreabout Balance Transfers
As of 07/28/2021, rates range from 9.99% 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.
Visa Signature® Flagship 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, Visa® Buxx Cards, GO Prepaid Cards and other cash equivalent gift cards), may not be eligible purchase transactions and may not earn rewards. A Flagship 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 at navyfederal.org.↵
Receive up to a $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 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) posts 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 http://www.cbp.gov/global-entry/about. For more information about TSA Pre✓® and the application process, visit https://www.tsa.gov/precheck. The TSA Pre✓® trademark is used with the permission of the U.S. Department of Homeland Security.↵
For all Navy Federal Credit Cards: As of 07/28/2021, rates range from 5.99% 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.↵
FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.↵
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.