THE CARDTUNED DATABASE
Navy Federal Visa Signature Flagship Rewards
Issuer: Navy Federal Credit Union · Network: Visa
3X points on eligible travel; 2X points on other eligible purchases
- Annual fee
- $49 currently; $95 at the next annual-fee charge on or after November 2, 2026
- Foreign transaction fee
- $0
- Intro APR
- Not available — closed to new applicants
- Regular APR
- 14.74%–18.00% variable APR for existing accounts; individual account terms apply
Full card review date:
This date covers the full card review. Individual terms may have been checked separately afterward; see dates noted in the terms and offer below.
Earning rates
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| Category | Rate | Eligible purchases and conditions |
|---|---|---|
| Travel | 3X | points on eligible travel Eligible travel purchases depend on merchant category codes. Fees, interest, balance transfers, cash advances, gambling and cash equivalents are excluded. |
| Eligible purchases | 2X | points on other eligible purchases Other eligible purchases earn 2X. Eligible-purchase exclusions apply; do not substitute Premier's 1X base rate. |
Additional benefits
• qualifying Amazon Prime annual-membership statement credit
• up to $120 Global Entry or TSA PreCheck credit every 4 years
• no foreign transaction fee
Restrictions to know
Legacy Flagship Rewards is closed to new applicants and remains available to existing cardholders. It earns 3X eligible travel and 2X other eligible purchases. The $95 annual fee applies at the next annual-fee charge on or after November 2, 2026 whether the card is retained or upgraded. Qualifying Amazon Prime annual membership only, one statement credit per account per year; monthly Prime plans are excluded. Global Entry/TSA PreCheck credit is up to $120 every 4 years. Eligible-purchase exclusions and merchant category codes apply. Flagship Premier is a separate product with different earning rates and benefits.
Account status
Closed to new applicants; existing Navy Federal Flagship Rewards accounts only.