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This card is best for...

  • Maximizing Your Rewards

  • Travel

  • Very Good to Excellent Credit


Rates, Fees & Rewards

Rates

Purchase & Balance Transfer Variable APR between

11.74% - 18.00% 2

Terms & Conditions

Fees

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

Rewards

  • 3X points on Travel, 2X points on everything else 3
  • Get access to luxury hotel discounts and concierge services
  • Receive statement credit (up to $100) for Global Entry or TSA Pre✓®4

Flagship Rewards 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.

Wallet hub best credit cards for military.

Features & Benefits

  • No rewards limit
  • No reward expiration while account is open
  • Points redeemed for cash, travel, gift cards and merchandise3
  • Receive statement credit (up to $100) for Global Entry or TSA Pre✓®4
  • Worldwide Automatic Travel Accident Insurance
  • Travel and emergency assistance
  • Extended warranty service
  • Cell phone protection
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 fees5
  • Ability to freeze and unfreeze your cards
  • Zero Liability policy for reported unauthorized transactions
  • Fraud notifications*
  • Access to your FICO® score6
Learn More about the benefits included with all Navy Federal credit cards

Cardholder Resources

Redeem Rewards

Get the most out of your credit card. Redeem your rewards now.

Learn More about Redeem Rewards

Member Mall®

Use your credit card to shop our online Member Mall. You’ll get higher rewards just for purchasing through Member Mall, free shipping from certain retailers, exclusive offers and other perks.

Learn More about Member Mall®

FICO® Score

Stay on top of your credit. Sign in to your Navy Federal account to easily view your FICO score.

Learn More about FICO® Score
View More Cardholder Resources

Credit Card Basics

Credit Card Application Process

Demystify the application process. Learn how to apply, how long the process takes and what the impact will be on your credit.

Learn More about Credit Card Application Process

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 More about How Credit Cards Work

Understanding Credit

Visit MakingCents to learn what affects your credit score and how you can build a strong credit history.

Learn More about Understanding Credit

Balance Transfers

Learn how you can move your current credit card balance to a Navy Federal card to consolidate debt and potentially lower payments.

Learn More about Balance Transfers
View More Credit Card Basics

Disclosures

1Offer valid for cardholders issued new Visa Signature® Flagship Rewards Credit Card accounts. To be eligible for the 50,000 points offer, you must make $4,000 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, 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 re-loading 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. Please allow up to eight weeks after the 90-day period for the 50,000 points to post to your rewards balance. Account must be open and not in default at the time the 50,000 points are posted to your rewards balance. Limit one special points offer per account under this promotion. Valid for offers accepted from 9/5/18 to 12/31/18.

2Currently, rates range from 11.74% 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 overseas transaction. Cash Advance APR is variable and up to 2% higher than purchase APR, but will not exceed 18%. Repayment terms are 2% of outstanding balance or $20, whichever is greater.

3Rewards 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, 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 re-loading 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.

4A $100 (Global Entry) or an $85 (TSA Pre✓®) statement credit (“Statement Credit”) will be processed after the applicable program application fee is charged to an eligible card. Eligible cardholders are entitled to one Statement Credit per eligible Visa Signature Flagship account number every 48-months per Global Entry or TSA Pre✓® program. Please allow 6-8 weeks after the applicable program application fee is charged for the Statement Credit to post to your account. Cardholders are responsible for all charges until the Statement Credit 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). Visa and Navy Federal Credit Union have no control over the program including, but not limited to, application, approval process or enrollment, fees charged by CBP, and no liability with regards the Global Entry Program. For complete details on the Global Entry program, including full terms and conditions, go to http://www.cbp.gov/global-entry/about. TSA Pre✓® is an expedited airport security program that allows low-risk travelers within the United States to speed through security at select airports. For more information about TSA Pre✓® and the application process, visit https://www.tsa.gov/precheck.

5For all Navy Federal Credit Cards: Currently, rates range from 7.74% 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.

6FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.