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Take Flight With Extra Bonus Points for Your Next Trip

You could earn 35,000 bonus points (a $350 value) when you spend $3,500 within 90 days of opening a new Flagship account.Footnote 1 Plus, you’ll score a year of free Amazon Prime® (a $139 value).Footnote 2 See offer details.

Apply Now for the Flagship Credit Card

Not a member? Check your eligibility.

This card is best for...

  • Maximizing Your Rewards

  • Making Travel Pay for Itself

  • Leveraging Your Very Good to Excellent Credit


Rates, Fees & Rewards

Rates

Purchase & Balance Transfer Variable APR between

15.74% - 18.00% Footnote 3

Terms & Conditions

Fees

  • $49 annual feeFootnote 3
  • No balance transfer fees
  • No foreign transaction fees
  • No cash advance fees

Rewards

  • 3X points on travelFootnote 4
  • 2X points on everything else
  • Receive statement credits (up to $120) for Global Entry or TSA Pre✓®Footnote 5
  • No rewards limit or expiration

Program Description

How Many Points Can I Earn From the Flagship Credit Card?Footnote 4

Features & Benefits

Earn 3X Points on Travel Purchases and 2X Points on Everything ElseFootnote 4

Receive Statement Credits (up to $120) for Global Entry or TSA Pre✓®Footnote 5

Experience a Free Year of Amazon Prime®Footnote 2

Just pay the Amazon PrimeFootnote 6 annual membership fee with your Visa Signature Flagship Rewards Card, and we’ll reimburse you with a statement credit. That’s a $139 value! Already have Prime? Renew your annual membership with your card and we’ll credit your account.Footnote 2

Cardholders will receive credits up to $120 for Global Entry and/or TSA Pre✓®Footnote 5 application fees. Statement credits will be issued once the applicable program application fee(s) have been charged to your Visa Signature Flagship Rewards Credit Card.Footnote 5

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

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

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

Spend more, earn more. Continue to accrue more until you’re ready to redeem. For terms and conditions, see the Visa Signature Flagship Rewards 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.

Navy Federal Visa Signature Flagship Rewards cardholders can earn triple rewards on more than just hotel, cruise and airline purchases. You can also earn 3X points on many other travel-related purchases,Footnote 4 including:

Getaways

  • Car rentals
  • Timeshares
  • Campgrounds and RV parks

Commutes

  • Ride-sharing services
  • Parking
  • Bridges, tolls and ferries

Entertainment

  • Museums
  • Amusement parks
  • Public golf courses

Our Visa Signature Flagship Rewards card has been our highest earning structure—for every dollar spent, you’ll earn 2X the points

Love to travel? Or prefer cash back? The Visa Signature Flagship Rewards Card gives you the flexibility to redeem your points as you like. Want even more? Shop our Member Deals and earn extra rewards on your purchases, including up to 15 points or 15% cash back per dollar spent.Footnote 4

Learn more about additional travel, entertainment and shopping benefits.

Included With All Navy Federal Credit Cards

  • 24/7 help from our US-based member service team
  • No Balance Transfer or Foreign Transaction FeesFootnote 8
  • Ability to Freeze and Unfreeze Your Cards
  • Access to Your Credit Score
  • Tap to Pay
  • Fraud Notifications*
  • An average credit card APR that’s 6.81% lower than the bank industry averageFootnote 9
  • Zero Liability Policy for Reported Unauthorized Transactions
  • Use Your Credit Card Before It Arrives in the Mail if You Qualify for a Digitally Issued Card

Our Members Love Their Visa Signature® Flagship Rewards Credit Card

“I have been extremely pleased with my NFCU Visa Flagship Rewards Card and service. I really appreciate the automated access to quickly manage my card.”

— Pamela

“Easily one of the best cards you can have in your wallet!”

— Andre

Do You Prequalify?

If you’re already a member, you can find out if you prequalify before applying for a credit card.

This won’t affect your credit score. A prequalification does not guarantee approval when you apply. When you apply, we also consider factors such as your monthly debt-to-income ratio.

Prequalify Me for a credit card

Disclosures

1

Offer valid for cardholders issued new Visa Signature® Flagship Rewards Credit Card accounts. To be eligible for the 35,000 points offer, you must make $3,500 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, gambling, 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 reloading of gift and prepaid cards (e.g., money orders, GO Prepaid Cards, and other cash-equivalent gift cards), may not be eligible purchase transactions and may not earn rewards. Please allow up to 8 weeks after the 90-day period for the 35,000 points to post to your rewards balance. Account must be open and not in default at the time the 35,000 points are scheduled to post to your rewards balance. Limit of one promotional offer at account opening. Navy Federal reserves the right to change or end this offer at any time without notice. Valid for offers applied for between 1/2/2025 and 3/31/2025.

2

Offer applies only to annual Amazon Prime memberships. Not valid for recurring membership monthly payment option or Amazon Prime Student. Offer valid for your Visa Signature® Flagship Rewards credit card and is not transferable. Limit of one promotional offer per card per year. Please allow 6–8 weeks after the membership is renewed or opened for the statement credit to post to your account. Navy Federal reserves the right to end or modify this offer at any time without notice.

3

As of 01/12/2025, rates 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. 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.

4

Visa Signature® Flagship Rewards Credit Cards earn 3 points for every $1 of net purchases made on travel and 2 points for every $1 of other 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, gambling, or fees of any kind, including finance charges, late fees, returned check fees, ATM cash advance fees, and annual fees. Cash-equivalent transactions, such as the purchase, loading, or reloading of gift and prepaid cards (e.g., money orders, GO Prepaid Cards, and other cash-equivalent gift cards), may not be eligible purchase transactions and may not earn rewards. A travel purchase may only earn 2 points per dollar spent, depending on the merchant code used to process the transaction. Travel is typically categorized under merchant category codes such as airline, hotel, car rental, bus lines, taxis, cruise lines, time shares, parking, and transit. Additional categories may be ineligible, in which case you will receive 2 points per dollar spent at these locations based on the merchant category codes. For more information, view the Flagship Rewards Program Description.

5

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 Visa Signature Flagship® Rewards Card. Visa Signature Flagship Rewards Cardholders are entitled to up to $120 in statement credits per eligible Visa Signature Flagship Rewards 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/travel/trusted-traveler-programs/global-entry. 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.

6

 Amazon and all related logos are trademarks of Amazon.com, Inc. or its affiliates.

7

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.

8

As of 01/12/2025, nRewards® Secured card rate is 18.00% APR and will vary with the market based on the U.S. Prime Rate. All other Navy Federal credit card rates range from 11.24% 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.

9

Credit card value claim based on an internal analysis of Navy Federal’s average credit card APR assigned to members compared to the bank industry average credit card APR in 2023. The 2023 bank industry average data was obtained from the Federal Reserve’s G.19 Consumer Credit data release.

The views expressed in the reviews are solely those of the individuals posting them. The testimonials are substantively the words of the individual reviewer, but may have undergone minor clerical revisions to ensure readability, add context, or protect private information. Any imagery displayed is for decorative purposes only and is not necessarily associated with the reviewer.

 Amazon and all related logos are trademarks of Amazon.com, Inc. or its affiliates.