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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

12.24% - 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
  • Receive statement credit (up to $100) for Global Entry or TSA Pre✓®4

Program Description

Visa Signature PDF

Our cards are designed with the military in mind.

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

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 Deals

    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 More about Member Deals
  • 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

View More Credit Card Basics

Disclosures

1As of 2/1/19, rates range from 12.24% 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. Application must be submitted by 2/28/19. Offer valid for balances transferred from non-Navy Federal credit cards within 30 days of account opening. Balance transfers are not eligible to earn rewards. Navy Federal reserves the right to refuse duplicate balance transfer requests. Maximum total transfer amount is limited to your approved credit line. Balance transfers using convenience checks are excluded from this offer. If you transfer a balance with this offer, interest will be charged on purchases made with your credit card unless your purchases have a 0% APR or you pay the entire balance (including any transferred balances) in full each month by the payment due date. To avoid paying interest on purchases, you must pay your entire balance by the next due date, including balances transferred under this promotion. Offer excludes Navy Federal nRewards® Secured, Platinum, Business and Home Equity Line Platinum credit cards.

2As of 2/1/2019, rates range from 12.24% 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 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, and ATM cash advance fees. 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 (for whichever program is charged first) will be processed after the Global Entry program application fee OR TSA Pre✔® application fee is charged to your Visa Signature Rewards card. Visa Signature Rewards cardholders are entitled to one statement credit per eligible Visa Signature Flagship credit card number every 4 years per Global Entry or TSA Pre✓® program. Statement credit applies 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 to post to your account. Cardholders are responsible for payment of 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). 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. 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. The TSA Pre✓® trademark is used with the permission of the U.S. Department of Homeland Security.

5For all Navy Federal Credit Cards: As of 2/1/2019, rates range from 8.24% 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.

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