Navy Federal Credit Union Visa Signature Flagship Rewards | finder.com

Navy Federal Credit Union® Visa Signature® Flagship Rewards Credit Card review

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Navy Federal Credit Union® Visa Signature® Flagship Rewards Credit Card

Earn 2x points on purchases and accelerated points when you spend on travel.

  • Get this card if you are affiliated with the military and want a rewards credit card.
  • Pick something else if you want an intro APR period on balance transfers and purchases.
  • Apply with a good to an excellent credit score of 670 or higher.
Product NameNavy Federal Credit Union® Visa Signature® Flagship Rewards Credit Card
Card TypeVisa
Annual Fee$0 intro annual fee for the first year ($49 thereafter)
Standard Purchase APR12.24% to 18% variable
Intro Purchase APR

N/A

Standard Balance Transfer APR12.24% to 18% variable
Intro Balance Transfer APR

N/A

Cash Advance Rate14.24% to 20% variable
Cash Advance FeeNone
Cash Advance Fee DescriptionNone at a Navy Federal branch or ATM. Otherwise, $.50 per domestic
transaction or $1 per foreign transaction
Foreign Transaction FeeNone
Interest Free PeriodUp to 25 days
Late Payment FeeUp to $20
Returned Payment FeeUp to $20
Minimum Age18 years of age
Welcome Offer50,000 points after spending $4,000 in the first 90 days
Rewards3x points on travel and 2x points on everything else
Base Rewards2x points

The basics

Anyone affiliated with the military looking for a strong rewards credit card might want to consider the Navy Federal Credit Union® Visa Signature® Flagship Rewards Credit Card. It is one of the rare rewards cards that let you earn 2x points on all purchases. In addition, you can earn more points on travel purchases, get a generous signup bonus and you won’t pay any foreign transaction fees if you travel abroad. However, you must have a military affiliation to apply.

Another unlimited rewards card for military

PenFed Power Cash Rewards Visa Signature® Card

  • 0% APR promo balance transfer rate for 12 months with 3% balance transfer fee now through September 30, 2019. After that, the APR for the unpaid balance and any new balance transfers will be 11.99% to 17.99%. APR will vary with the market based on prime rate. Subject to credit approval. $100 bonus after spending $1,500 in purchase transactions within the first 90 days of account opening.
  • Rate and offers current as of June 1, 2019 and are subject to change.
  • 1.5% unlimited cash back on all purchases
  • Flexible cash redemption options
  • No caps, limits or category restrictions on rewards
  • Earn up to 2% cash back through the PenFed Honors Advantage program
  • No annual or foreign transaction fees
  • Chip enabled for added security
  • Federally insured by NCUA
  • Variable rate as low as 11.99% APR
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Card benefits

  • Signup bonus.
    Earn 50,000 bonus points when you spend $4,000 in your first 90 days of account opening. This is worth $500 in redemption value, but this offer expires on September 3, 2019.
  • Reward points.
    Earn 3x points on travel purchases and 2x points on everything else you buy. This is an excellent rate considering most cards offer up to 1.5x points on all purchases.
  • Global Entry or TSA PreCheck fee credit.
    Receive up to $100 in statement credit to cover the application fee of Global Entry or TSA PreCheck. You get this perk once every four years.
  • No fees.
    You won’t pay foreign transaction fees, no cash advance fees and no balance transfer fees.

What to watch out for

  • Annual fee.
    You get a $0 intro annual fee for the first year only. After that, you’ll pay $49 annually. Considering the value you can get from the rewards program, you can easily offset the annual fee.

How to apply for the Navy Federal Credit Union® Visa Signature® Flagship Rewards Credit Card

  1. First, you must be a Navy Federal Credit Union member.
  2. Once you’re a member, visit the Navy Federal Credit Union website and sign in to your account.
  3. Locate the Navy Federal Credit Union® Visa Signature® Flagship Rewards Credit Card.
  4. Click Apply now and fill out the application form.
  5. Review the form and submit.

Are you eligible for Navy Federal Credit Union membership?

You are eligible to join the credit union if you are:

  • Active duty, retired or a veteran.
    This includes the Army, Marine Corps, Navy, Air Force, Coast Guard and Delayed Entry Program (DEP); Air National Guard; DoD reservists; DoD officer candidate/ROTC and veterans, retirees and annuitants.
  • Family members.
    Parents, grandparents, spouses, siblings, children, grandchildren and household members.
  • Department of Defence civilians.
    DoD civilian employees, US Government employees assigned to DoD installations, DoD contractors and DoD civilian retirees and annuitants.

What credit score do I need?

To increase your chances of approval, apply with a good to excellent credit score of 670 or higher.

Compare military credit cards

Name Product Welcome Offer Rewards Annual Fee Filter values
$100 after spending $1,500 in the first 90 days
2% cash back for all PenFed Honors Advantage members and 1.5% cash back on all purchases
$0
2% cash back for all PenFed Honors Advantage members and 1.5% cash back on all purchases made with your card.
$100 after spending $1,500 in the first 90 days
5x points on gas at the pump, 3x points on groceries and 1x points on all other purchases
$0
Earn 5x points on gas at the pump and 3x points on groceries. Earn 1x points on all other purchases.
$100 bonus after spending $1,500 in the first 90 days
N/A
$0
Low APR on all purchases including cash advances.
$100 after spending $1,500 in the first 90 days
N/A
$0
Earn a $100 bonus after spending $1,500 on purchases in the first 90 days from account opening.
25,000 points after spending $2,500 in the first 90 days
3x points on travel or 4x points if you’re a PenFed Honors Advantage member and 1.5x points on all other purchases
$0
25,000 bonus points when you spend $2,500 in the first 90 days from account opening.

Compare up to 4 providers

Bottom line

If you have a military affiliation and want a solid rewards credit card, the Navy Federal Credit Union® Visa Signature® Flagship Rewards Credit Card could be worth considering. It offers a relatively high rewards rate on all purchases and accelerated points on travel purchases.

If this card doesn’t fit your needs, compare other credit cards to find something that better suits you.

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