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Flagship Premier Visa Signature®: Full Review [2026]

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Jarrod West
Updated: 
Edited by: Jessica Merritt
& Jestan Mendame

We may be compensated when you click on a link, when an application is approved, or when an account is opened from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

NEW OFFER
Flagship Premier Visa Signature®
Terms Apply / Rates & Fees

Flagship Premier Visa Signature®

U.P. Rating
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
3
Apply Now(at NFCU's secure site)

  • 50,000 points

  • $95

  • 15.74% - 18.00% Variable

Flagship Premier Visa Signature®

U.P. Rating
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
3
Apply Now(at NFCU's secure site)

Summary

The Navy Federal Flagship card is a top option for Navy Federal members who frequently spend on travel and dining.

Card Details

Welcome Bonus & Info

  • For a limited time, open a new card account and earn 50,000 bonus points when you spend $4,000 in your first 90 days. Offer valid for accounts applied for between 9/10/26 – 1/3/27.
  • 4X points on all travel
  • 3X points on dining
  • $100 annual airline credit
  • Statement credits (up to $120) for Global Entry or TSA Pre✓®
  • No booking portal required
  • Complimentary GigSky® global mobile data plan
  • No rewards limit or expiration while your account is open
  • No balance transfer fees
  • No foreign transaction fees
  • No cash advance fees

Pros & Cons

Pros

  • 4x on travel
  • 3x on dining
  • $100 annual airline credit
  • Global Entry/TSA Pre✓®
  • Complimentary 3 GB GigSky global data plan
  • No foreign transaction fees

Cons

  • $95 annual fee
  • Only available to Navy Federal members
  • Does not earn transferable rewards

Great Card If

  • You’re a Navy Federal member.
  • You frequently spend on travel and dining.
  • You want to earn travel rewards.

Don’t Get If

  • You want a card that earns transferable rewards.
  • You don’t spend much on travel or dining.

Navy Federal Flagship Card: Is It Worth It?

The Navy Federal Flagship card could be worth it if you’re a Navy Federal member and often spend money on the card’s top bonus categories of travel and dining.

The card’s annual fee can be offset by benefits, including its $100 annual airline credit, Global Entry/TSA Pre✓® credit, and a complimentary 3 GB GigSky data plan.

Benefits at a Glance

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Benefit

Detail

Rewards

  • 4x points on travel
  • 3x points on dining
  • 1x point on all other purchases

Welcome Offer

Earn 50,000 bonus points when you spend $4,000 in your first 90 days of opening. Offer valid for accounts applied for between 9/10/26 - 1/3/27.

Perks and Credits

  • $100 annual airline credit
  • Global Entry/TSA Pre✓® credit
  • Complimentary 3 GB GigSky global data plan 
  • No foreign transaction fees (rates & fees)

Annual Fee

$95 (rates & fees)

Best Ways To Earn and Redeem Your Points

The best way to earn more points with your Navy Federal Flagship card is to use it for travel and dining purchases, which earn bonus points.

Once you’re ready to redeem your points, you can choose from cash, travel, gift cards, and merchandise.

Alternative Cards to the Navy Federal Flagship Card

Chase Sapphire Preferred® Card

If you prefer a card that earns transferable travel rewards, the Chase Sapphire Preferred card is a good option. It earns 5x Ultimate Rewards points on all travel booked via Chase Travel, 3x points on dining purchases, online grocery purchases (excluding Walmart, Target, and wholesale clubs), gas, EV charging, vacation home rentals with top brands (such as Airbnb and Vrbo), and select streaming services, and 2x points on all other travel purchases.

Capital One Venture Rewards Credit Card

The Capital One Venture card is good for those who want to earn transferable rewards: 5x Capital One miles on hotels, vacation rentals, and rental cars booked through Capital One Travel, plus an uncapped 2x miles on all other purchases.

Frequently Asked Questions

Who is eligible for the Navy Federal Flagship card?

You must be a member of Navy Federal Credit Union to apply for the Navy Federal Flagship card.

Is the Navy Federal Flagship card worth it?

For Navy Federal members who frequently spend money on travel and dining, and can easily make use of the annual airline credit, the Navy Federal Flagship card can be worth it.

Does the Navy Federal Flagship card include Amazon Prime?

No, an older version of the card offered this benefit, but the current card does not offer a complimentary Amazon Prime subscription.

How does the Navy Federal Flagship card airline credit work?

Each year, you receive a $100 statement credit after you spend a total of $100 or more on eligible airline purchases using your card.

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About Jarrod West

Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 8 years. He earns and redeems over 1 million points per year, and his work has been featured in outlets like The New York Times.

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