Navy Federal Flagship Premier Visa Signature
$95 annual fee · $130/yr in printed statement credits · 1x on everything else · no foreign transaction fees
Earn rates · how we got this
| Category | Rate | Cap |
|---|---|---|
| Travel | 4x | uncapped |
| Dining | 3x | uncapped |
| Everything else | 1x | uncapped |
See how it ranks: best travel cards · best dining cards.
What we have watched change
Differences between one check of the issuer's page and the next — not a reconstruction of the card's history. We only know what we were watching when it moved.
- Card Navy Federal Flagship Premier Visa Signature added to the database. 2026-09-16
Signup bonus: 50,000 points after $4,000 in 3 months. We never count unearned bonuses in savings math — a bonus you don't clear is worth zero. Limited-time offer for accounts opened 2026-09-10 through 2027-01-03; $4,000 within 90 days. Limited-time offer; ends 2027-01-03.
Statement credits — $130/yr on paper · how we got this
| Credit | Value | How it pays |
|---|---|---|
| Annual airline credit | $100/year | annual |
| Global Entry/TSA PreCheck credit | $30/year | once every 4 years |
Monthly and quarterly credits expire if unused — that's where most of their printed value quietly disappears.
Non-cash perks
- Membership required (Navy Federal: armed forces, DoD, veterans and their families)
- Navy Federal's first metal card
- No foreign transaction fees and no balance transfer fees; no cash advance fees at Navy Federal branches and ATMs
- Complimentary GigSky global mobile data plan (3GB, up to 15 days)
- Points have no earning limit and do not expire while the account is open; redeem for cash, travel, gift cards and merchandise
- Travel assistance, travel accident insurance and auto rental collision damage waiver
- Existing Flagship Rewards cardholders can switch without a new application
Does the fee earn out? · how we got this
The printed statement credits ($130/yr) cover the $95 fee on paper — if you'd spend that way anyway. Credits you have to remember, enroll in, or change behavior for are worth less than face value. Our app tracks each one against your actual charges.
Is this $95 fee worth it? See the break-even math →
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
Comparing cards in the same currency? See the best cards that earn Navy Federal points →
More from Navy Federal
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-09-15 against issuer terms · sources: www.navyfederal.org · www.navyfederal.org · www.navyfederal.org. Spot an error? Tell us.