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This card is best for...

  • Maximizing Your Rewards

  • Travel

  • Very Good to Excellent Credit

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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.

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Rates, Fees & Rewards


Purchase & Balance Transfer Variable APR between

10.24% - 18.00% 1

Terms & Conditions


  • $49 annual fee1
  • No balance transfer fees
  • No foreign transaction fees
  • No cash advance fees


  • 3X points on travel2
  • 2X points on everything else
  • Receive statement credits (up to $100) for Global Entry or TSA Pre✓®3

Program Description

Our cards are designed with the military in mind.

Flagship was recognized by WalletHub as "Best Military Credit Card for Travel Rewards" in 2018.

WalletHub Best Credit Cards Military

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

Learn More about the Flagship credit card

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 credit score


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

Cardholder Resources

View MoreCardholder Resources

Credit Card Basics

View MoreCredit Card Basics



As of 06/30/2022, rates range from 10.24% 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.


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.


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 For more information about TSA Pre✓® and the application process, visit The TSA Pre✓® trademark is used with the permission of the U.S. Department of Homeland Security.


As of 06/30/2022, 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 6.24% 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.

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