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Visa Signature Flagship Rewards Credit Card – Full Review [2024]

Kellie Jez's image
Kellie Jez
Kellie Jez's image

Kellie Jez

Director of Operations & Compliance

6 Published Articles 1180 Edited Articles

Countries Visited: 10U.S. States Visited: 20

Kellie’s professional experience has led her to a deep passion for compliance, data reporting, and process improvement. Kellie’s learned the ins and outs of the points and miles world and leads UP’s c...
Edited by: Stella Shon
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Stella Shon

News Managing Editor

101 Published Articles 710 Edited Articles

Countries Visited: 25U.S. States Visited: 22

With a degree in media and journalism, Stella has been in the points and miles game for more than 6 years. She most recently worked as a Corporate Communications Analyst for JetBlue. Find her work in ...

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Visa Signature® Flagship Rewards Credit Card
Terms Apply / Rates & Fees

Visa Signature® Flagship Rewards Credit Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's 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.
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Learn More(at NFCU's secure site)
  • 40,000 points

  • $49

  • 15.24%-18.00% Variable APR

Visa Signature® Flagship Rewards Credit Card

The Visa Signature Flagship Rewards Credit Card was made for the traveler in mind. Earn big on travel - not just flights and hotels.

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's 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.
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Learn More(at NFCU's secure site)

The Visa Signature® Flagship Rewards Credit Card has a handful of perks usually found on more expensive cards, all for a low annual fee of $49.

This card offers a lucrative welcome bonus that more than offsets its cost. Plus, it includes a variety of travel-friendly features. For budget-conscious travelers seeking flexibility and value, this card is an excellent choice.

Card Snapshot

Welcome Bonus & Info

  • New Flagship cardholders can earn 40,000 bonus points (a $400 value) when they spend $3,500 within the first 90 days of opening their Flagship Rewards account. Also – Navy Federal will reimburse the cost of Amazon Prime® for one year ($139). Offer valid for accounts applied for between 5/1/2024-6/30/2024.
  • Earn 3x points for every $1 you spend on travel.
  • Earn 2x points on everything else.
  • No balance transfer fees, no foreign transaction fees, no cash advance fees.
  • Receive statement credits (up to $100) for Global Entry or TSA PreCheck®.
  • No rewards limit or expiration.
  • Enjoy free Amazon Prime® for a year.

Pros

  • Generous welcome bonus offer
  • 3 points per dollar spent on travel purchases
  • Flexibility with using rewards

Cons

  • Charges an annual fee
  • Must be an NFCU member to apply

Upgraded Points: Expertise You Can Trust

Our seasoned and experienced team brings years of expertise in the credit card and travel sectors. Committed to integrity, we offer data-driven guides to help you find the card(s) that best fit your requirements. See details on our intensive editorial policies and card rating methodologies.

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  • Methodical “U.P. Rating” System
  • 1044+ Expert Credit Card Guides

Great Card If

  • Looking for a Navy Federal Credit Union that rewards you for travel
  • Interested in a card that earns more than 1x on all other non-bonused purchases
  • Wanting to get statement credits for Global Entry or TSA✓®

Don’t Get If

  • You’re looking for a no-annual-fee card
  • Prefer a card that has everyday spend categories like groceries and dining
  • Interested in a cash-back card

What Benefits Do You Get With the Platinum Credit Card?

If you travel quite a bit, take a look at the Visa Signature® Flagship Rewards Credit Card from Navy Federal Credit Union. For starters, this card has a simple earning structure but one that is geared for travelers:

  • Earn 3x points on travel
  • Earn 2x points on everything else

While “travel” can seem ambiguous, it’s great to see that this card earns 3x on more than just hotel, cruise, and airline purchases. You’re also able to earn 3x on other travel-related purchases like car rentals, timeshares, campgrounds, RV parks, ride-share, parking, and tolls (plus more). Then all other purchases earn 2x point, which is nice to know that anything considered travel, you’re still earning bonus points.

Doubling down on its focus for travel, the card also comes with up to $100 in statement credits for Global Entry or TSA✓®.

You’re able to redeem your points for cash, travel, gift cards and merchandise and there’s no limit to the rewards you can earn.

Alternative Cards to the Platinum Credit Card

Chase Sapphire Preferred® Card

If you want a great travel rewards card and are willing to pay a little more of an annual fee to get one, the Chase Sapphire Preferred card is an excellent option.

The Chase Sapphire Preferred card earns 5x points per $1 for travel purchases through the Chase Travel portal, 3x points per $1 on dining, online grocery, and select streaming purchases, and 2x points per $1 spent on all other travel purchases. Plus, it features no foreign transaction fees and flexible redemption options — including transfer partners!

In fact, Chase Ultimate Rewards points are some of the most valuable loyalty currencies out there and can be redeemed for huge value. The card packs a ton of benefits for a moderate annual fee, and for many, it is worth every penny.

Wells Fargo Autograph℠ Card

The Wells Fargo Autograph Card offers 3x points at restaurants, gas stations, transit, on travel, popular streaming services, and phone plans; all for no-annual-fee (rates & fees).

Furthermore, the card comes with other perks like cell phone protection, and Auto Rental Collision Damage Waiver.

Kellie Jez's image

About Kellie Jez

Kellie’s professional experience has led her to a deep passion for compliance, data reporting, and process improvement. Kellie’s learned the ins and outs of the points and miles world and leads UP’s compliance operation.

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