Visa Signature® Flagship Travel Rewards Credit Card (2024)

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Visa Signature® Flagship Travel Rewards Credit Card (1)

Earn 30K Bonus Points, A Free Year of Amazon Prime® and a One-Time Annual Fee Waiver

Apply Now for the Visa Signature® Flagship Rewards card

View Offer Details for the Visa Signature® Flagship Rewards card

Get the most rewards with our top-tier credit card.

This card is best for...

  • Visa Signature® Flagship Travel Rewards Credit Card (2)

    Maximizing Your Rewards

  • Visa Signature® Flagship Travel Rewards Credit Card (3)

    Travel

  • Visa Signature® Flagship Travel Rewards Credit Card (4)

    Very Good to Excellent Credit

Do You Prequalify?

If you're already a member, you can find out if you prequalify for a credit card before you submit an application. This won't affect your credit score.

Prequalify Me for a credit card

Rates, Fees & Rewards

Rates

Purchase & Balance Transfer Variable APR between

15.24% - 18.00% 1

Fees

  • $49 annual fee1
  • No balance transfer fees
  • No foreign transaction fees
  • No cash advance fees

Rewards

  • 3X points on travel2
  • 2X points on everything else
  • Receive statement credits (up to $100) for Global Entry or TSA Pre✓®3
  • No rewards limit or expiration

Program Description

  • Flagship Rewards Program Description PDF

Features & Benefits

  • No rewards limit
  • No reward expiration while account is open
  • Points redeemed for cash, travel, gift cards and merchandise
  • Receive statement credit (up to $100) for Global Entry or TSA Pre✓® 3
  • Enjoy Amazon Prime®free for a year4
  • Worldwide Automatic Travel Accident Insurance, plus travel and emergency assistance

Learn More about the Flagship credit card

Included With All Navy Federal Credit Cards

  • 24/7 access to stateside member reps
  • No balance transfer or foreign transaction fees5
  • Ability to freeze and unfreeze your cards
  • Zero Liability policy for unauthorized transactions
  • Fraud notifications*
  • Access to your credit score

Learn More about the benefits included with all Navy Federal credit cards

Cardholder Resources

  • Visa Signature® Flagship Travel Rewards Credit Card (5)

    Redeem Credit Card Rewards

    Get the most out of your credit card. Redeem your rewards now.

    Learn Moreabout Redeem Credit Card Rewards

  • Visa Signature® Flagship Travel Rewards Credit Card (6)

    Member Deals

    Use your credit card to shop our online Member Deals. You'll get higher rewards just for purchasing through Member Deals, free shipping from certain retailers, exclusive offers and other perks.

    Learn Moreabout Member Deals

  • Visa Signature® Flagship Travel Rewards Credit Card (7)

    Get Your Credit Score

    Stay on top of your credit. Sign in to your Navy Federal account to easily view your credit score.

    Learn Moreabout Get Your Credit Score

View MoreCardholder Resources

Credit Card Learning Center

  • Visa Signature® Flagship Travel Rewards Credit Card (8)

    How to Apply for a Credit Card

    Demystify the application process. Learn how to apply, how long the process takes and what the impact will be on your credit.

    Learn Moreabout How to Apply for a Credit Card

  • Visa Signature® Flagship Travel Rewards Credit Card (9)

    How Credit Cards Work

    Credit cards are valuable tools to establish and build credit. Learn how they work and how to use them responsibly.

    Learn Moreabout How Credit Cards Work

  • Credit Scores & Reports

    Visit MakingCents to learn what affects your credit score and how you can build a strong credit history.

  • Visa Signature® Flagship Travel Rewards Credit Card (10)

    How to Do a Balance Transfer

    Learn how you can move your current credit card balance to a Navy Federal card to consolidate debt and potentially lower payments.

    Learn Moreabout How to Do a Balance Transfer

View MoreCredit Card Learning Center

Still have questions? Visit our Credit Card FAQs.

1

As of 12/21/2023, rates range from 15.24% APR to 18.00% APR, are based on creditworthiness, and will vary with the market based on the U.S. Prime Rate. ATM cash advance fees: None, if performed at a Navy Federal branch or ATM. Otherwise, $0.50 per domestic transaction or $1.00 per foreign transaction. $49 annual fee for Visa Signature® Flagship Rewards.

2

Visa Signature Flagship Rewards Credit Cards earn 3 points for every $1 of net purchases made on travel and 2 points for every $1 of other net purchases. "Net purchases" means the sum of your eligible purchase transactions minus returns and refunds. Eligible purchase transactions do not include, and rewards are not earned for, the following transactions: cash advances, convenience checks, balance transfers, gambling, or fees of any kind, including finance charges, late fees, returned check fees, ATM cash advance fees, and annual fees. Cash-equivalent transactions, such as the purchase, loading, or reloading of gift and prepaid cards (e.g., money orders, GO Prepaid Cards, and other cash-equivalent gift cards), may not be eligible purchase transactions and may not earn rewards. A travel purchase may only earn 2 points per dollar spent, depending on the merchant code used to process the transaction. Travel is typically categorized under merchant category codes such as airline, hotel, car rental, bus lines, taxis, cruise lines, time shares, parking, and transit. Additional categories may be ineligible, in which case you will receive 2 points per dollar spent at these locations based on the merchant category codes. For more information, view theFlagship Rewards Program Description.

3

Receive up to $100 in statement credits for Global Entry or TSA Pre✓® charges that are processed after the Global Entry program application fee or TSA Pre✓® application fee is charged to your Visa Signature Flagship Rewards Card. Visa Signature Flagship Rewards Cardholders are entitled to up to $100 in statement credits per eligible Visa Signature Flagship Rewards Credit Card number every 4 years per Global Entry or TSA Pre✓® program. The 4-year period is based on the date of the first qualified transaction. Statement credits are applied to application fee charges made on or after account opening. Please allow 6–8 weeks after the applicable program application fee is charged for the statement credit(s) to post to your account. Cardholders are responsible for payment of all charges until the statement credit(s) post(s) to their account. Visa® and Navy Federal Credit Union reserve the right to modify or cancel this offer at any time and without notice. Global Entry is a U.S. Government program, operated by U.S. Customs and Border Protection (CBP). TSA Pre✓® is an expedited airport security program operated by the U.S. Transportation Security Administration (TSA) that allows low-risk travelers within the United States to speed through security at select airports. Visa and Navy Federal Credit Union have no liability with regards to the Global Entry and TSA Pre✓® programs and have no control over either program, including, but not limited to, the application, approval process or enrollment, and fees charged. For complete details on the Global Entry program, including full terms and conditions, go to cbp.gov/travel/trusted-traveler-programs/global-entry. For more information about TSA Pre✓® and the application process, visit tsa.gov/precheck. The TSA Pre✓® trademark is used with the permission of the U.S. Department of Homeland Security.

4

Offer applies only to annual Amazon Prime memberships. Not valid for recurring membership monthly payment option or Amazon Prime Student. Annual membership must be purchased by 01/01/2025. Offer valid for your Visa SignatureFlagship Rewards Credit Card and is not transferable. Limit of 1 promotional offer per card. Please allow 6–8 weeks after the membership is renewed or opened for the statement credit to post to your account. Navy Federal reserves the right to end or modify this offer at any time without notice.

5

As of 12/21/2023, nRewards® Secured card rate is 18.00% APR and will vary with the market based on the U.S. Prime Rate. All other Navy Federal Credit Card rates range from 11.24% APR to 18.00% APR, are based on product type and creditworthiness, and will vary with the market based on the U.S. Prime Rate. ATM cash advance fees: None if performed at a Navy Federal branch or ATM. Otherwise, $0.50 per domestic transaction or $1.00 per foreign transaction. $49 annual fee for Visa Signature® Flagship Rewards.

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As an expert in the field of credit cards and financial products, I bring a wealth of knowledge and experience to guide you through the intricacies of the Navy Federal Visa Signature Flagship Rewards card. My understanding is not just theoretical; it's grounded in practical expertise that stems from a comprehensive awareness of credit card dynamics and the financial industry.

Now, let's delve into the concepts and information embedded in the provided article:

  1. Credit Card Features:

    • The Navy Federal Visa Signature Flagship Rewards card offers a range of features, including a substantial welcome bonus of 30,000 Bonus Points, a complimentary year of Amazon Prime, and a one-time annual fee waiver.
  2. Eligibility Criteria:

    • The card is designed for individuals with a credit rating ranging from Very Good to Excellent.
  3. Prequalification:

    • Existing members can determine if they prequalify for the credit card without affecting their credit score.
  4. Rates, Fees & Rewards:

    • Variable APR between 15.24% - 18.00% for purchase and balance transfer.
    • $49 annual fee.
    • No balance transfer fees, no foreign transaction fees, and no cash advance fees.
    • 3X points on travel, 2X points on all other purchases.
    • Statement credits (up to $100) for Global Entry or TSA Pre✓®.
  5. Program Description:

    • The Flagship Rewards Program allows for redemption of points for cash, travel, gift cards, and merchandise.
    • Additional benefits include statement credits for Global Entry or TSA Pre✓®, Amazon Prime membership, and Worldwide Automatic Travel Accident Insurance.
  6. Cardholder Resources:

    • Members enjoy 24/7 access to stateside member representatives.
    • No balance transfer or foreign transaction fees.
    • Ability to freeze and unfreeze cards.
    • Zero Liability policy for unauthorized transactions.
    • Access to credit scores.
  7. Redemption and Member Deals:

    • Points earned can be redeemed for various rewards, including cash, travel, gift cards, and merchandise.
    • Member Deals offer enhanced rewards, free shipping, exclusive offers, and other perks for using the credit card.
  8. Credit Card Learning Center:

    • Resources guide users on how to apply for a credit card, understanding how credit cards work, building credit scores, and doing a balance transfer.
  9. Important Dates and Terms:

    • As of 12/21/2023, the APR ranges from 15.24% to 18.00%, and there is a $49 annual fee.
    • Specific terms regarding cash advance fees and eligibility for rewards are outlined.
  10. Global Entry and TSA Pre✓® Benefits:

    • Cardholders can receive up to $100 in statement credits for Global Entry or TSA Pre✓® charges every four years.
    • Details about the programs, application process, and fees are provided.
  11. Amazon Prime Offer:

    • The offer for a free year of Amazon Prime is exclusive to annual memberships and has specific terms, including a limit of one promotional offer per card.
  12. Secured Card and Other Rates:

    • Information about other Navy Federal credit card rates, including the nRewards Secured card, is included.

In conclusion, the Navy Federal Visa Signature Flagship Rewards card offers a comprehensive set of benefits and features tailored for individuals with good to excellent credit, making it a notable option in the credit card landscape.

Visa Signature® Flagship Travel Rewards Credit Card (2024)

FAQs

Is the Flagship Rewards card good? ›

Why we like this card: With the Navy Federal Visa Signature® Flagship Rewards Credit Card, you can land a hefty welcome bonus and a high rewards rate on all purchases. Bonus: It only costs $49 a year, which is a cheaper price tag than many travel cards carry.

What credit score do you need for Visa Signature Flagship Rewards? ›

What is the average credit score needed to get approved for Navy Federal Credit Union Visa Signature Flagship Rewards card? You need to have a minimum credit score of 670 to get approved for the Navy Federal Credit Union Visa Signature Flagship Rewards card.

What is the credit limit for Navy Federal Visa Signature Flagship Rewards? ›

The starting Navy Federal Credit Union Visa Signature® Flagship Rewards Credit Card credit limit is usually around $5,000 to start, according to forum posts. However, some cardholders report limits as high as $15,000.

Is Visa Signature a good credit card? ›

Visa Signature cards are a higher tier than Visa Traditional cards, and they provide cardholders with added benefits and perks. Requirements vary by card and issuer, but Visa Signature cards like the Chase Sapphire Preferred® Card generally require good to excellent credit.

What is the strongest credit card in the world? ›

The most powerful credit card in the world is the Centurion® Card from American Express, which is famously known as the "black card" and seen as a status symbol for rich and influential people.

What is the annual fee for flagship? ›

$49 annual fee for Visa Signature® Flagship Rewards. Visa Signature Flagship Rewards Credit Cards earn 3 points for every $1 of net purchases made on travel and 2 points for every $1 of other net purchases. "Net purchases" means the sum of your eligible purchase transactions minus returns and refunds.

What's the best card with Navy Federal? ›

Best Navy Federal Cards
  • Navy Federal Credit Union Visa Signature® Flagship Rewards Card: Best for travel rewards.
  • Navy Federal More Rewards American Express® Card: Best no annual fee card.
  • Navy Federal GO REWARDS® Credit Card: Best for people with average credit.
3 days ago

Does NFCU pay for TSA PreCheck? ›

TSA PreCheck or Global Entry application fee credit.

Up to a $100 credit to reimburse a TSA PreCheck or Global Entry application.

Does Navy Federal give high credit limits? ›

The Navy Federal Platinum Credit Card credit limit is between $500 and $50,000. Everyone who gets approved for the Navy Federal Platinum Credit Card is guaranteed a credit limit of at least $500, but the higher an applicant's credit score and income are, the higher the starting credit limit is likely to be.

Which is better, Visa Platinum or Visa signature? ›

Key Differences between Visa® Platinum and Visa® Signature

A Visa® Signature card offers low rates, but not as low as the Platinum card. Visa Signature rates are as low as 9.90%. The main differentiator between Platinum and Signature cards is that Signature cards earn Cash Back rewards.

What is the starting limit for Visa signature card? ›

The type of Visa credit card you end up with can depend on the specific type of card you apply for, or on your personal credit rating and amount of credit you qualify for. Visa Signature cards come with a minimum credit limit of $5,000, so that's one barrier of entry for new cardholders who apply.

What is higher than Visa signature? ›

The highest level of credit card in the Visa network, Visa Infinite cards offer more benefits than Visa Signature and Visa Traditional cards.

Are Capital One Rewards worth it? ›

How Much Are Capital One Rewards Points Worth? Capital One rewards points vary in value depending on the type of redemption you choose. On the low side, points are worth only half a cent each when redeeming as cash back. Travel redemptions and some gift cards typically offer a value of 1 cent per point.

Are rewards cards really worth it? ›

In most cases, rewards cards are worth it — as long as you're not carrying a balance and the annual fee is less than the value of the rewards you earn each year.

What credit card is the most elite? ›

Most Prestigious Credit Cards in 2024
  • Centurion® Card from American Express: Most Prestigious Overall.
  • The Platinum Card® from American Express: Airport Lounge Access.
  • Chase Sapphire Reserve®: Visa Infinite Concierge.
  • Capital One Venture X Rewards Credit Card (see Rates & Fees): Generous Rewards.

How do Navy Federal flagship rewards work? ›

1. Navy Federal Visa Signature Flagship Rewards Cardholders will earn 3 points for every $1 of net purchases spent on travel and 2 points for every $1 of other net purchases made with a Navy Federal Visa Signature Flagship Rewards Card.

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