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

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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.


Points as welcome offer

Up to 3x



Annual fee

for the first year ($49 thereafter)

9.99% to 18%

Purchase APR (variable)


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)
Purchase APR9.99% to 18% variable
Balance transfer APR9.99% to 18% variable
Balance transfer feeNone
Cash advance rate13.74% 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
Penalty APR18% fixed
Foreign transaction feeNone
Interest free periodUp to 25 days
Late payment feeUp to $20
Returned payment feeUp to $20

Expert review

Kliment Dukovski

Review by

Kliment Dukovski is a credit cards writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.

Expert review

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.

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.

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.
  • 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.

Compare military credit cards

Name Product Welcome offer Rewards Annual fee Filter values
Chase Sapphire Preferred® Card
60,000 points after spending $4,000 in the first 3 months, a value of up to $750 through Chase Ultimate Rewards
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
Earn a signup bonus worth $750 with this popular travel card. Combine with other Chase Ultimate Rewards cards for even greater value.
Citi® Double Cash Card
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
Earn up to 2% on every purchase with no annual fee. This is the highest flat-rate cashback card on the market.
Chase Sapphire Reserve®
50,000 points after spending $4,000 in the first 3 months
10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases
Get a generous $300 in annual travel credits, 3x points on travel and dining, and a 50% bonus on point redemptions with Chase's premier card.
CardMatch™ from
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Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.
Luxury Card Mastercard® Gold Card™
1x points on all purchases with 2% point value when you redeem for airfare or cash back
Earn 2% point value when redeemed for airfare or cash back through the Luxury rewards program.

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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