Flagship Premier Visa Signature Credit Card

Flagship Premier Visa Signature

Last Updated: 09/21/2026

Rating
3.8 / 5
Sign Up Bonus
50,000 Points
Annual Fee
$95
Credit Score
Very Good

Summary

09/20/2026: Card saw a complete revamp

Sign-Up Bonus
3
Spending Multipliers
4
Credits & Features
3.5
Fees
4.5
Application
4
Issuer
4

The Navy Federal Visa Signature Flagship Travel Rewards from Navy Federal Credit Union is a premium travel rewards card designed for Active Duty and retired military members, veterans, eligible family members, and Department of Defense civilian personnel who frequently travel and want to maximize points on every purchase. Cardholders earn 4x on travel and transit, 3x on dining, and 1x points on all other spending, in addition to no foreign transaction fees, no balance transfer fees, and no cash advance fees, making it an ideal choice for military families stationed abroad or traveling internationally. The card also includes valuable perks such as a $120 credit toward Global Entry or TSA PreCheck every four years, travel accident insurance, and a Rental Collision Damage Waiver, enhancing convenience and protection while traveling. While the annual fee is not waived in the first year, the combination of high flat-rate rewards and travel-focused benefits makes the Navy Federal Visa Signature Flagship Travel Rewards card a strong option for eligible military members seeking a comprehensive, rewards-rich travel card.

Pros

Check mark
No foreign transaction fee
Check mark
No balance transfer fee
Check mark
No cash advance fees

Cons

Negative sign
Only available for Active Duty and Retired military members, including Veterans, family members, and DoD civilian personnel
Negative sign
Annual fee not waived in the first year
Negative sign
1x catch all category

Issuer

Navy Federal Credit Union, established during the Great Depression by Navy Department employees, serves the financial needs of its 13 million member-owners, including military personnel, veterans, DoD employees, and their families. As the largest US credit union, it operates 354 branches worldwide in 26 countries. Offering a comprehensive range of financial products, including savings, checking, CDs, credit cards, and various loans, Navy Federal Credit Union emphasizes affordability and manageable terms. With approximately $181 billion in assets and $14 billion in annual revenue in 2024, the credit union stands as a financially stable institution. Committed to corporate social responsibility, Navy Federal prioritizes its people, purpose, and the planet, fostering employee well-being, improving members' financial health, and adopting sustainable business practices. The credit union's partnerships, such as with Alacriti for real-time payments, highlight its dedication to innovation. Navy Federal Credit Union's mission centers on member-focused, not-for-profit principles, guided by values of Service, Integrity, and Community. NCUA insured and an equal housing lender, Navy Federal Credit Union maintains regulatory compliance.

Spending Multipliers

4x

Points on flights

4x

Points on car rentals

4x

Points on cruises

4x

Points on campgrounds

4x

Points on hotels and vacation rentals

4x

Points on transit including, rideshare, parking, tolls, bridges, and ferries

3x

Points on dining

1x

Points on all other purchases

Credits & Features

$100 annual airline credit
$120 credit for Global Entry or TSA PreCheck every 4 years
GigSky Global Mobile Data Plan
Travel accident insurance
Rental Collision Damage Waiver

Application

  • You need to be a Navy Federal member to get this card
  • Your credit score and history should be very good too excellent to qualify for this card
  • You can check if you pre-qualify before applying

Fees

  • $95 Annual Fee
  • No Foreign Transaction Fee
  • Up to $20 late fee
  • No return payment fee
  • 15.74% - 18.00% Variable APR
  • 18.00% APR for Cash Advance
  • $0.50 domestic or $1.00 foreign cash advance fee, none at Navy Federal ATMs or branch
  • No balance transfer fee
See Full and Updated Rate & Fee Schedule During Application Process