Navy Federal Credit Union
Navy Federal Credit Union

Visa Signature® Flagship Rewards Credit Card

Get 2x the points
per purchase.

Purchase & Balance Transfer Variable
APR Between

9.99% - 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



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:3

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, 40,000 bonus points:4 30,000
  • Total points earned in the first year: 64,000

1Earn 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 purchases, loading or re-loading of Navy Federal prepaid and gift cards (e.g., Navy Federal gift cards, Visa® Buxx Cards, GO Prepaid Cards).

2Program excludes Navy Federal Business and Home EquityLine Visa Platinum credit cards and Navy Federal Debit Cards.

3This 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.

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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® or MasterCard®, 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, neither Visa nor MasterCard nor their 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 or MasterCard's Purchase Assurance Coverage/Extended Warranty Coverage, 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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