Navy Federal Flagship Rewards Visa Signature® vs Total Visa® Card
Side-by-side comparison
| Navy Federal Flagship Rewards Visa Signature® | Total Visa® Card | |
|---|---|---|
| Annual fee | $49 | $48 |
| Welcome offer | 35,000 points ($350), plus a year of Amazon Prime | No current offer |
| Dining | 2x | 0x |
| Groceries | 2x | 0x |
| Gas | 2x | 0x |
| Travel | 3x | 0x |
| Streaming | 2x | 0x |
| Everything else | 2x | 0x |
| Est. yearly rewards* | $601 | $0 |
| Points type | Cash back only | Cash back only |
| Network | Visa | Visa |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified August 2026. See your own numbers in the calculator.
Welcome bonus and value over time
| Over time | Navy Federal Flagship Rewards Visa Signature® | Total Visa® Card |
|---|---|---|
| Welcome bonus | 35,000 points ($350), plus a year of Amazon Prime | None |
| To earn it | $3,500 in 90 days | No minimum spend |
| Est. first-year value* | $902 | $-48 |
| Est. ongoing value / yr* | $552 | $-48 |
The Navy Federal Flagship Rewards Visa Signature® wins on both fronts: it comes out ahead in year one on the welcome offer and stays ahead every year after. Short term or long, it is the stronger pick on the numbers.
*First-year value counts the welcome bonus, estimated rewards, and annual credits, minus the annual fee; ongoing value is a typical year after. Every point at a flat 1 cent.
Perks, credits, and redemptions
| Perks | Navy Federal Flagship Rewards Visa Signature® | Total Visa® Card |
|---|---|---|
| Lounge access | None | None |
| Annual credits | None | None |
| Points & redemptions | Cash back only | Cash back only |
The two are closely matched on perks and redemptions, so the welcome offer and everyday earning above are what should decide it.
Transfer partners and point value
Neither card earns transferable points, so redemptions are cash-back or fixed portal value on both, roughly a cent per point. There is no airline or hotel transfer angle to separate them.
The verdict
On a typical year of household spending, the Navy Federal Flagship Rewards Visa Signature® earns about $601 a year in rewards and the Total Visa® Card about $0, valuing every point at a flat 1 cent. The Navy Federal Flagship Rewards Visa Signature® charges $49, which you clear through its rewards and perks. The Total Visa® Card charges $48, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the Navy Federal Flagship Rewards Visa Signature® delivers more total value, about $600 a year more for a typical spender, mostly because it earns more where you spend most, on everything else and groceries. Neither leans on transferable points, so the deciding factors are the welcome offer, the card network, and which everyday perks you will actually use. On the sign-up bonus, the Navy Federal Flagship Rewards Visa Signature® currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Navy Federal Flagship Rewards Visa Signature® if your spending leans toward dining, groceries, gas.