To continue enjoying all the features of Navy Federal Online, please use a compatible browser. Confirm your browser capability.

Take Flight With Extra Bonus Points for Your Next Trip

You could earn 40,000 bonus points (a $400 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? Join today.

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

15.99% - 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

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

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

Do You Prequalify?

If you’re already a member, you can check to see if you prequalify for a credit card before applying, without impacting your credit score. Keep in mind that prequalification doesn’t guarantee approval—there are many factors to consider, including monthly debt-to-income ratio, amounts owed and payment history.

Prequalify Me for a credit card

More About Flagship

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 6

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 6

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! 

Cardholders will receive credits up to $120 for Global Entry and/or TSA Pre✓® 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

Just pay the Amazon Prime 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 before Jan. 1, 2025, and we’ll credit your account.Footnote 2

Make purchases quickly and securely with your card. Just look for the Contactless Symbol at checkout, then tap your card against the card reader.Footnote 7

Learn More about the features and benefits of the Flagship credit cardabout features and benefits of nRewards

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

Included With All Navy Federal Credit Cards

  • Use your credit card before it arrives in the mail if you qualify for a digitally issued card
  • 24/7 help from our U.S.-based member service team
  • No balance transfer or foreign transaction feesFootnote 8
  • Ability to freeze and unfreeze your cards
  • Zero Liability policy for confirmed unauthorized transactions
  • Fraud notifications*
  • Access to your credit score

Learn More about the benefits included with all Navy Federal credit cards

Cardholder Resources

A Beginner’s Guide to Using Credit Card Points for Travel

Learn how to maximize a travel points credit card before your next trip.

Top Travel Tips to Save You Money and Make Your Trip a Success

Plan your summer travel with tips on timing, budgeting and more to save you money.

Disclosures

1

Offer valid for cardholders issued new Visa Signature® Flagship Rewards Credit Card accounts. To be eligible for the 40,000 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 40,000 points to post to your rewards balance. Account must be open and not in default at the time the 40,000 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 5/1/2024 and 1/1/2025.

↵
2

Offer applies only to annual Amazon Prime memberships. Not valid for recurring membership monthly payment option or Amazon Prime Student. Annual membership must be purchased by 1/1/2025. Offer valid for your Visa Signature® Flagship Rewards credit card and is not transferable. Limit of one promotional offer per card. 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 12/26/2024, rates range from 15.99% 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

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.

↵
7

The Contactless Symbol is a trademark owned by and used with permission of EMVCo, LLC.

↵
8

As of 12/26/2024, 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 11.49% 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.

↵

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.