Navy Federal Visa Signature Flagship Rewards
$49 annual fee · $139/yr in printed statement credits · 2x on everything else · no foreign transaction fees
Earn rates
| Category | Rate | Cap |
|---|---|---|
| Travel | 3x | uncapped |
| Everything else | 2x | uncapped |
See how it ranks: best travel cards.
Signup bonus: 35,000 points after $3,500 in 3 months. We never count unearned bonuses in savings math — a bonus you don't clear is worth zero.
Statement credits — $139/yr on paper
| Credit | Value | How it pays |
|---|---|---|
| Free Amazon Prime annual membership | $139/year | annual |
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)
- Up to $120 statement credit for Global Entry or TSA PreCheck every 4 years
- Complimentary GigSky 3GB global mobile data plan
- No foreign transaction fees or cash advance fees
Does the fee earn out?
The printed statement credits ($139/yr) cover the $49 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.
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 2026-09-02 against issuer terms · sources: www.navyfederal.org. Spot an error? Tell us.