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Navy Federal Flagship Rewards Visa Signature®
Navy Federal

Navy Federal Flagship Rewards Visa Signature®

A $49-a-year travel rewards card from Navy Federal.

Cash back only
Annual fee
$49/yr
Welcome bonus
35,000 points ($350), plus a year of Amazon Prime
Min spend
$3,500 in 90 days
Recommended credit
Good to Excellent (700+)
Network
Visa
Apply on Navy Federal site7.8/10Our rating · review ›

Rates, fees, and full terms are set by Navy Federal and can change. See current rates & fees on the issuer’s site, and always confirm the latest terms before applying.

Before you apply: credit card application and welcome-bonus rules →
Offer last verified July 14, 2026. How we verify.

Is this card right for you?

✓ Best for

people who spend heavily on travel and want travel rewards they can grow.

⚠ Think twice if

you will not use enough of its perks and credits to cover the $49 annual fee.

Earning rates

3x points on travel
2x points on all other purchases

Best ways to earn & redeem

Put your travel spending on this card to earn at its highest rates, and let a different card handle the categories it does not bonus.

When you cash in, take the rewards as cash back or a statement credit, worth a flat 1 cent each. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.

Features & benefits

35,000-point welcome bonus after $3,500 in 90 days
Complimentary Amazon Prime membership (about $139 a year)
Global Entry or TSA PreCheck application fee credit
Requires Navy Federal membership (military affiliation)

Alternatives to the Navy Federal Flagship Rewards Visa Signature®

Pairs well with

The Navy Federal Flagship Rewards Visa Signature® earns the most in its bonus categories, so pair it with a no-fee flat-rate card to cover everything it only earns a base rate on.

How does it rank for your spending?

Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the Navy Federal Flagship Rewards Visa Signature® lands.

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