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Take Flight With Extra Bonus Points for Your Next Trip

You could earn 35,000 bonus points (a $350 value) when you spend $3,500 within 90 days of opening a new Flagship account.Footnote 1 Plus, you’ll score a year of free Amazon Prime® (a $139 value).Footnote 2 See offer details.

Apply Now for the Flagship Credit Card

Not a member? Check your eligibility.

  • Earn 3X Points on Travel Purchases

    and 2X Points on Everything ElseFootnote 3

  • Experience a Free Year of Amazon Prime®

    Pay the Amazon Prime® annual membership fee and we’ll reimburse you with a statement credit.Footnote 2

  • Global Entry or TSA Pre✓

    Receive Statement Credits (up to $120) for Global Entry or TSA Pre✓®Footnote 4

  • Travel and Emergency Assistance

    It's help when you don't know where to turn.Footnote 5

This card is best for...

  • Maximizing Your Rewards

  • Making Travel Pay for Itself

  • Leveraging Your Very Good to Excellent Credit


Rates, Fees & Rewards

Rates

Purchase & Balance Transfer Variable APR between

15.49% - 18.00% Footnote 6

Terms & Conditions

Fees

  • $49 annual feeFootnote 6
  • No balance transfer fees
  • No foreign transaction fees
  • No cash advance feesFootnote 6

Rewards

  • 3X points on travelFootnote 3
  • 2X points on everything else
  • Receive statement credits (up to $120) for Global Entry or TSA Pre✓®Footnote 4
  • No rewards limit or expiration

Program Description

Features & Benefits

Navy Federal Visa Signature Flagship Rewards cardholders can earn triple rewards on more than just hotel, cruise and airline purchases. You can also earn 3X points on many other travel-related purchases,Footnote 3 including:

Getaways

  • Car rentals
  • Timeshares
  • Campgrounds and RV parks

Commutes

  • Ride-sharing services
  • Parking
  • Bridges, tolls and ferries

Entertainment

  • Museums
  • Amusement parks
  • Public golf courses

Included With All Navy Federal Credit Cards

Tap to Pay

Zero Liability Policy

24/7 help from our US-based member service team

Do You Prequalify?

If you’re already a member, you can find out if you prequalify before applying for a Navy Federal Credit Card.

This won’t affect your credit score. A prequalification does not guarantee approval when you apply. When you apply, we also consider factors such as your monthly debt-to-income ratio.

Prequalify Me for a credit card

Our Members Love Their Visa Signature® Flagship Rewards Credit Card

See What Our Members Have to Say

I have been extremely pleased with my NFCU Visa Flagship Rewards Card and service. I really appreciate the automated access to quickly manage my card.

Pamela

Easily one of the best cards you can have in your wallet!

Andre

The Ultimate Rewards Card

With 3X points on travel, premium benefits and a low annual fee, our Flagship card is the perfect choice for the savvy traveler.

Video Transcriptfor The Ultimate Rewards Card, Navy Federal VISA Signature Flagship Credit Card

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A woman stands in a furnished office, holding a coffee mug. A neon sign on the wall behind her reads, Navy Federal Credit Union. She walks towards us. Text: Please see important disclosure information at the end of this video.

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- If you're in the market for an award-winning travel credit card with great rewards and a low annual fee, you need the Navy Federal Flagship Card. Here's why this savvy traveler gets around with Flagship.

The annual fee is only $49. Similar travel cards from other issuers cost $95 a year, or even more. It's true. You can save on other fees too. Unlike many issuers, we don't charge balance transfer or foreign transaction fees. Less money in fees means more money for more adventures.

You earn three times the points on travel and two times the points on everything else.

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She places the mug on a desk.

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Travel doesn't just include big ticket buys like flights, cruises, and hotel rooms. You also earn three times the points at campgrounds, museums, amusement parks, and golf courses, and even on commuting expenses like rideshares, tolls, and parking. You can redeem the points you earn for travel, cash back, gift cards, or merchandise.

There are no spending caps, and your points don't expire while your account is open. Unlike some issuers, we don't limit how many points you can earn in a category. You also don't have to worry about your points expiring while your account is open. Nice, right?

Our credit card APRs are low compared to others, and capped at 18%, which means you could save on interest if you carry a balance. You get a statement credit for TSA PreCheck or Global Entry, so you spend less time waiting in line at the airport. Plus, bookings made with your Flagship card include worldwide travel accident insurance and travel emergency assistance. There's some peace of mind for you.

You can have confidence in our card and service. They're award-winning. We've been rated a top credit card issuer, number 1 in customer service among credit card issuers in Forrester's customer experience survey, and one of the most trusted companies in America by Newsweek.

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She sits in a chair.

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What do our members think? According to Trustpilot, they love our Flagship card, 4.8 out of 5 stars kind of love. Oh, and one more thing. If you decide a Flagship card is the one for you, you'll need to be a Navy Federal Credit Union member. All branches of the military, veterans, DOD employees, and their family members are eligible. Navy Federal Credit Union, our members are the mission. Apply today at navyfederal.org.

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Text: Navy Federal is insured by NCUA. Credit Card Pricing: As of 11/1/2024, rates range from 15.99% APR to 18.00% APR, are based on creditworthiness, and will vary with the market based on the US 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. Rewards Program: For more information, view the Flagship Program Description Guide at navy federal dot org. Card Travel Benefit: For information on T-S-A Pre check and Global Entry, visit navy federal dot org. The T-S-A Pre check trademark is used with the permission of the US Department of Homeland Security. Please see important disclosure information in the description of this video.

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Disclosures

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 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 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. Valid for offers applied for between 01/02/2025 and 01/01/2026.

2

Offer applies only to annual Amazon Prime memberships. Not valid for recurring membership monthly payment option or Amazon Prime Student. Offer valid for your Visa Signature® Flagship Rewards credit card and is not transferable. Limit of one promotional offer per card per year. 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

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.

5

Certain terms, restrictions, and exclusions may apply. For more information, please refer to your Benefits Guide. If you need a copy of the guide, please call 1-888-842-6328.

6

As of 05/28/2025, rates range from 15.49% 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.

7

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

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.