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Visa Signature® Flagship Rewards Credit Card

Earn 30,000
Bonus Points and
a Low Intro Rate
Get 30,000 Bonus Points and a Low Intro Rate

You'll earn 30,000 bonus points when you spend $3,000 within the first 90 days of opening a new card.1 Plus, get a 0% intro APR on purchases and balance transfers for 12 months. After that, a variable APR between 10.24% and 18% applies.2

Plus, you'll enjoy other great rewards and perks that come with our premier travel rewards card:

  • No limit on the points you can earn; points never expire
  • No annual fee for the first year, $49 thereafter2
  • No foreign transaction fees2
  • Receive discounts and upgrades at leading hotels and resorts
  • Get preferred seating at popular events and more
APR as Low as 10.24%2
  • No balance transfer fee2
  • Visa Signature perks
  • Secure chip technology


Purchase & Balance Transfer Variable
APR Between

10.24% - 18.0%

Credit Card Terms & Conditions

Rates are based on creditworthiness and will vary with the market based on the Prime Rate.

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.


2 points per net dollar spent.1

Visa Signature Perks


  • Rewards Expiration: Never
  • Rewards Limit: None
  • Start Redeeming: 1,000 points


No annual fee for the first year, $49 thereafter.

Balance Transfer


Foreign Transaction


Cash Advance

None at NFCU Branch or ATM. $0.50 domestic or
$1.00 foreign at non-NFCU ATMs.


Earn more rewards by shopping with your Navy Federal credit card at Member Mall.


Redeem your Navy Federal credit card rewards.


Simplify how you shop both
in-store and online.


Shop with your Navy Federal credit card at participating merchants. Get discounts.
It's that easy.


See How Fast Points Add Up:4

Move the slider or type in your monthly spending,
then press ENTER.

  • money
  • Monthly spending

Below is a sample of redemption options based on the annual points total.
A complete rewards catalog is available to cardholders via Account Access.

  • Points earned in the first year: 24,000
  • Limited Time Offer Plus, 30,000 bonus points:4 30,000
  • Total points earned in the first year: 54,000

1Offer valid for cardholders issued new Visa Signature Flagship Rewards credit card accounts. To be eligible for the 30,000 points offer, you must make $3,000 or more in net purchases within 90 days of account opening. Earn rewards 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, Navy Federal cash equivalent transactions, such as the purchase, loading or re-loading of Navy Federal prepaid and gift cards (e.g., Navy Federal gift cards, VisaBuxx Cards, GO Prepaid Cards). Please allow up to eight weeks after the 90-day period for the 30,000 points to post to your rewards balance. Account must be open and not in default at the time the 30,000 points are posted to your rewards balance. Limit of one promotional offer at account opening. Offer expires 11/1/16.

2Currently, rates range from 10.24% APR to 18% APR, are based on creditworthiness, and will vary with the market based on the 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. Balance transfer offer: Offer must be accepted by 11/1/2016. Offer excludes Navy Federal Business and Home Equity Line Platinum credit cards. Offer valid for balances transferred from other card-issuer accounts requested at the time of application. 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 and cannot exceed $30,000. 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. See Credit Card Terms & Conditions for details.

3Program excludes Navy Federal Business and Home Equity Line Visa Platinum credit cards and Navy Federal Debit Cards.

4This calculator is intended for educational purposes only. Results are based on input from users and are estimates only; actual cash back rewards earned may vary depending on credit card use.


Navy Federal Rewards

Get rewarded by earning two points for every dollar you spend. Just make a purchase, and your points will be automatically added to your account. You can redeem your points for travel, cash back, merchandise, gift cards or exciting experiences. When you see how quickly the rewards add up, you'll understand why so many of our members shop with a Navy Federal rewards card!

Learn more about Navy Federal Rewards.

Collision Damage Waiver

With your Navy Federal Visa®, you automatically have Collision Damage Waiver (CDW) coverage when you rent a car for 15 days or less and pay for the rental with your covered rewards card. The CDW coverage is secondary to any other applicable insurance or coverage available to you.

Coverage includes physical damage and theft of the rental vehicle, reasonable towing charges, valid loss-of-use charges imposed by the auto rental company, as well as your deductible and any other eligible amounts not covered by other insurance. Only you, as the primary renter of the vehicle, and any additional drivers permitted by the auto rental agreement are covered.

Worldwide Automatic Travel Accident Insurance

You and your dependents are covered automatically for bodily injury and/or loss on a covered trip when you charge the entire common carrier fare to your covered rewards card. Coverage is for one year from the date of the accident.

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

Travel and Emergency Assistance

It's help when you don't know where to turn. You can count on a wide range of emergency services available whenever and wherever you need them, 24/7. This includes medical referral, lost luggage locator service and prescription assistance.

We'll make every reasonable effort to respond when you have an emergency even if you need assistance beyond the services listed in your policy. Please understand that, due to occasional problems such as distance, location or time, Visa nor its service providers can be responsible for the availability, use, cost or results of any medical, legal, transportation or other service.

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.

How the Extended Warranty Service Works

When you have Visa's Warranty Manager Service, you have an Extended Warranty Service insurance program that provides security beyond the manufacturer's guarantee. Credit card users can protect themselves and their purchases with just a simple toll-free call to 1-800-397-9010.

Whether the purchase is for you or for someone else, the item must be charged to your credit card for the entire amount. You do NOT have to register your purchase with the card company.

Under the Extended Warranty Service, the item must first be covered by the original manufacturer's warranty of twelve months or less. Then the card's extended warranty doubles the original manufacturer's warranty for up to one year. The maximum repair or replacement amount won't exceed the price charged for the item, up to $10,000.

You must file a claim within 30 to 60 days from date of failure. A claim form and other requested documentation must be filed within 90 days.

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.

For terms and conditions, see the Visa Signature Flagship Rewards Program Description Guide.

Visa Signature Flagship Rewards Benefits Guide

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