Flagship Premier Visa Signature®
All the travel. None of the baggage.
Introducing Flagship Premier: travel as it should be. Take your travel to new heights with 4X points on all travel purchases, no matter how you book. And, savor your travel even more with 3X points on diningFootnote [1] and a $100 annual airline credit.Footnote [2]
For a limited time, open a new card account and earn 50,000 bonus points (a $500 value) when you spend $4,000 in your first 90 days.Footnote [3] See offer details.
Fees
- $95 annual fee
- No balance transfer fees
- No foreign transaction fees
- No cash advance feesFootnote [4]
Rewards
- 4X points on all travel
- 3X points on diningFootnote [1]
- $100 annual airline creditFootnote [2]
- Statement credits (up to $120) for Global Entry or TSA Pre✓®Footnote [5]
- No booking portal required
- Complimentary GigSky® global mobile data planFootnote [6]
- No rewards limit or expiration while your account is open
Program Description
This card is best for...
Maximizing travel rewards
Life on the move
Very good to excellent credit
Special Offer Take flight with 50K bonus points.
As a special welcome offer, we’ll send your rewards soaring with 50K bonus points when you spend $4K within 90 days of opening an account.Footnote [3]
Expires on
Recognition worth a mention
TIME Magazine ranked Navy Federal Credit Union as the #1 credit card provider in America’s Best Financial Services.
Features & benefits
Receive a $100 statement credit each year after you spend $100 or more on eligible airline purchases with your Flagship Premier Card.Footnote [2]
Love to travel? Or prefer cash back? Flagship Premier gives you the flexibility to redeem your points as you like.Footnote [1]
Spend more, earn more. Continue to accrue more until you’re ready to redeem. For terms and conditions, see the Flagship Premier Visa Signature® Card program description.
As long as your account is open, rewards won’t expire. Continue to spend and accrue rewards and redeem them at your convenience.
Receive up to $120 for application fees for Global Entry, TSA PreCheck or both. Statement credits will be issued once any applicable program application fees have been charged to your Flagship Premier Card.Footnote [5]
Get a complimentary 3GB global mobile data plan through GigSky when Flagship Premier is the default payment method in the GigSky app. The plan is valid for up to 15 days after activation.Footnote [6]
To view benefit terms, select Navy Federal from the list of participating issuers under United States at gigsky.com.
Travel and Emergency Assistance
It's help when you don't know where to turn. 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 its service providers can be responsible for the availability, use, cost or results of any medical, legal, transportation or other service.Footnote [7]
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 1 year from the date of the accident.Footnote [7]
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.Footnote [7]
Learn more about additional travel, entertainment and shopping benefits.
Do you prequalify?
If you’re already a member, you can find out if you prequalify before applying for a Navy Federal credit card.
A prequalification doesn’t guarantee approval when you apply. When you apply, we also consider factors such as your monthly debt-to-income ratio.
FAQs
As a Flagship Rewards cardholder, you're eligible to switch to Flagship Premier—no application necessary. Get even more rewards on travel and dining purchases, plus other premium benefits. Explore your Flagship options here.
No, you'll receive 4X points on any travel purchase made with your Flagship Premier Card.Footnote [1]
Eligible purchases are categorized by payment networks as travel or restaurants based on what they primarily sell. We use this information to determine which purchases qualify for rewards. Any purchase that isn't categorized as travel or dining will receive 1X points per dollar spent.Footnote [1]
Use your Flagship Premier Card to make airline purchases of $100 or more, and you’ll receive a $100 statement credit in return. The $100 in purchases can come from one or multiple transactions.Footnote [2]
Make your Flagship Premier Card the default payment method in the GigSky app and receive a complimentary 3 GB Global Mobile Data Plan. It's valid for up to 15 days after activation.Footnote [6]
Disclosures
Flagship Premier Visa Signature® Credit Cards earn 4 points for every $1 of eligible purchases made on travel, 3 points for every $1 of eligible purchases made at restaurants (dining), and 1 point 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). Merchants are assigned codes by payment networks based on what they primarily sell. We rely on this information to identify travel and restaurant purchases. Travel is typically coded as airline, hotel, car rental, bus lines, taxis, cruise lines, time shares, parking, rideshare, and transit. A travel or restaurant purchase may only earn 1 point per dollar spent, depending on the code used to process the transaction. If the purchase is not identified as a travel or restaurant purchase, it will receive 1 point per dollar spent. For example, purchases made at restaurants within another establishment (e.g., casino, grocery store, event venue) may not be assigned a restaurant code, which means they will only receive 1 point per dollar spent. For more information, view the Program Description for the Flagship Premier Card.
↵Receive a $100 statement credit each year after you spend a total of $100 or more on eligible airline purchases using your Flagship Premier Visa Signature® Card. Your eligibility for the credit begins on the date your account is opened and renews each year on that date. This date appears in the Member Since field under My Profile in the Navy Federal Rewards Center. Any unused credit will not carry over to the next year. The $100 spending requirement may be met through a single purchase or multiple purchases totaling at least $100. Merchants are assigned codes by payment networks based on what a business primarily sells. Only purchases coded as airlines or air carriers qualify as eligible airline purchases and will count toward the required $100 or more to earn the statement credit. Charter or private jet flights do not qualify. After the $100 in eligible airline purchases posts to your account, it may take 6-8 weeks for the statement credit to appear. The statement credit may not be posted or may be reversed if the purchase(s) is/are canceled, modified, or returned. Your account must be open and not in default when the statement credit is scheduled to post to your account. Only the primary cardholder is eligible for this credit. Purchases made by authorized users do count toward the $100 spending requirement. Navy Federal may modify or end this offer at any time without notice.
↵Offer valid for members who apply for a new Flagship Premier Visa Signature® account between 9/10/2026 and 1/3/2027 and are approved. To earn the 50,000 bonus points, you must make at least $4,000 in eligible purchases within 90 days of account opening. Eligible purchases include purchases of goods and services, minus returns and credits, and exclude fees, interest, balance transfers, gambling, convenience checks, cash advances, and cash-equivalent transactions (e.g., money orders, gift cards, prepaid cards, person-to-person money transfers, purchases from securities broker-dealers, including prediction markets). Bonus points post within 8 weeks after the 90-day period. Your account must be open and not in default at the time the bonus is scheduled to post. Limit of one promotional offer at account opening. Offer may change or end without notice.
↵As of 09/10/2026, the Purchases, Balance Transfers, and Convenience Checks APRs range from 15.74% APR to 18.00% APR, are based on creditworthiness, and will vary with the market based on the U.S. Prime Rate. The Cash Advance APR is 18%. The Penalty APR is 18% and may apply to an account if it becomes over 60 days past due. 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. $95 annual fee for Flagship Premier Visa Signature®.
↵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 Flagship Premier Visa Signature® Card. Flagship Premier Visa Signature® Cardholders are entitled to up to $120 in statement credits per eligible Flagship Premier Visa Signature® 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.
↵Flagship Premier Visa Signature® Cardholders are eligible to receive 1 complimentary 3 GB Global Mobile Data Plan, valid for up to 15 days after activation, for use in eligible countries when the Flagship Premier Visa Signature® Card is set as the default payment method in the GigSky App. GigSky and Navy Federal reserve the right to modify or end this offer any time without notice. Refer to GigSky’s official Terms of Service or Privacy Policy for complete details prior to participating.
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