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The Visa Signature® Flagship Rewards Card is an ideal travel card for Navy Federal members. Even though it charges a small annual fee of $49, you won't have to worry about additional fees for balance transfers, foreign transactions, or cash advances. The card also earns a competitive 3x on travel purchases and comes with a lucrative welcome bonus, but that's just the beginning of the perks that you can expect with this card.
Here's everything you need to know before applying for the Visa Flagship Rewards Card.
- You could earn 35,000 bonus points (a $350 value) when you spend $3,500 within 90 days of opening a new Flagship credit card account.
- Plus, you'll score a year of free Amazon Prime® (a $139 value) through January 1st, 2026.
- 3x points on travel
- 2x points on everything else
- Receive statement credits (up to $120) for Global Entry or TSA Pre✔®
- No rewards limit or expiration while the account is open.
- 3x points on travel
- 2x points on everything else
Page Contents
- Visa Flagship Rewards Card Pros
- Visa Flagship Rewards Card Cons
- Visa Flagship Rewards Card Welcome Bonus
- Visa Flagship Rewards Card Benefits
- Visa Flagship Rewards Card Earning Rates
- Redeeming Points With the Visa Flagship Rewards Card
- Application Restrictions
- Cards That Compete With the Navy Federal Go Rewards Card
- Bottom Line
Visa Flagship Rewards Card Pros
- Low annual fee of $49
- Statement credits for Amazon Prime membership and Global Entry or TSA PreCheck application fee
- No balance transfer fees, foreign transaction fees, or cash advance fees
- Travel coverage
Visa Flagship Rewards Card Cons
- Only available to Navy Federal Credit Union members
- No opportunities to redeem rewards for a higher value
Visa Flagship Rewards Card Welcome Bonus
You could earn 35,000 bonus points (a $350 value) when you spend $3,500 within 90 days of opening a new Flagship credit card account.
Visa Flagship Rewards Card Benefits
Low annual fee
The Visa Flagship Rewards Card comes with a $49 annual fee. For the benefits it provides, this is pretty low. Plus, there are no foreign transaction fees, balance transfer fees, or cash advance fees.
Free annual Amazon Prime subscription
Cardholders of the Visa Flagship Rewards Card receive a statement credit for an annual Amazon Prime subscription, which is valued at $139. This offer is not valid on monthly membership payments. Limit of one statement credit per account, per year. This benefit alone can easily justify the annual fee, especially if you already pay for a Prime subscription.
Up to $120 in statement credits for Global Entry or TSA PreCheck
Receive up to $120 in statement credits when you use your Visa Flagship Rewards Card to apply for Global Entry or TSA PreCheck. You can use this statement credit once every 4 years. This is another benefit that makes it easy to justify the low annual fee. If you aren't already a member of one of these programs, now is the time to join.
Travel accident insurance
When you use your Visa Flagship Rewards Card to pay for the entire common carrier fare, you and your dependents will be automatically covered for bodily injury or loss. This card also comes with 24/7 travel and emergency assistance and an auto rental collision damage waiver for rentals 15 days or less.
Visa Flagship Rewards Card Earning Rates
The Visa Flagship Rewards Card earns 3x on travel and travel-related purchases. Navy Federal has a broad definition of what it includes as travel. Apart from hotels, flights, and cruises, you'll also earn 3 points per $1 spent on:
- Car rentals
- Timeshares
- Campgrounds and RV parks
- Ride-sharing services
- Parking
- Bridges, tolls, and ferries
- Museums
- Amusement parks
- Public golf courses
You'll earn 2x on every other purchase. You can also shop through the shopping portal to earn up to 15 points per $1 spent.
Redeeming Points With the Visa Flagship Rewards Card
Navy Federal Flagship points can be redeemed for travel, cash back, gift cards, or merchandise. Your Flagship points are worth 1 cent per point, no matter how you choose to redeem them.
You can usually get more value from your credit card points by transferring them to travel partners. Unfortunately, Navy Federal doesn't have any transfer partners, so there's no opportunity to increase the value of your points in this way. There are also no bonuses available when redeeming for gift cards or merchandise.
With that said, redeeming your points for cash back may be the best way to redeem Flagship points for easy value.
Application Restrictions
In order to apply for the Visa Flagship Rewards Card, you must already have an account at Navy Federal Credit Union. You can open an account if you are one of the following:
- Active, retired, or veteran of the U.S. Armed Forces
- An immediate family member of an active, retired, or veteran of the U.S. Armed Forces
- Select civilian employees and contractors of the U.S. Department of Defense
You can be the primary cardholder on up to 3 Navy Federal credit cards at one time, and there is no waiting period to receive your first card. You can only be approved for one card every 90 days. If you apply for another card during this period, you'll automatically be denied.
- If you prefer to earn bonus points for dining and gas, check out the Navy Federal GO REWARDS® Card. With this card, you'll earn 3x at restaurants, 2x on gas, and 1x on everything else. There are no annual, balance transfer, cash advance, or foreign transaction fees.
- If you prefer to earn simple cash back on all your purchases, then the Navy Federal Visa cashRewards Card might be for you. With this card, you'll earn up to 2% cash back on all purchases, depending on which version you are approved for (cashRewards or cashRewards Plus).
- If you want to earn travel rewards that you can transfer to travel partners with no annual fee, consider the Capital One VentureOne Rewards Credit Card. This no-annual-fee card earns an unlimited 1.25X miles per dollar on every purchase, plus 5X miles on hotels, vacation rentals, and rental cars booked through Capital One Travel. You can also transfer to any of Capital One's 22 transfer partners, including Air France-KLM Flying Blue and Singapore Airlines. The card comes with a suite of other benefits, including no foreign transaction fees, travel accident insurance, purchase protection, and more.
- 3X points at restaurants
- 2X points on gas
- 1X points on everything else
- Earn unlimited 2% cash back with cashRewards Plus or unlimited 1.5% cash back with cashRewards. Network benefits vary by card.
- 5 Miles per dollar on hotels, vacation rentals, and rental cars booked through Capital One Travel
- 5 Miles per dollar on purchases through Capital One Entertainment
- 1.25 Miles per dollar on every purchase, every day.
Bottom Line
The Navy Federal Go Rewards Card is a good option for Navy Federal Credit Union members who want to earn bonus points on travel. You can redeem points for a flat 1 cent per point for travel, cash back, gift cards, and merchandise. Unfortunately, there is no opportunity to redeem your points for more value by transferring them to travel partners.
All in all, if you want to stay within the Navy Federal ecosystem for all your banking needs and are interested in points as a reward currency, the Navy Federal Flagship Card is the ideal choice.
- You could earn 35,000 bonus points (a $350 value) when you spend $3,500 within 90 days of opening a new Flagship credit card account.
- Plus, you'll score a year of free Amazon Prime® (a $139 value) through January 1st, 2026.
- 3x points on travel
- 2x points on everything else
- Receive statement credits (up to $120) for Global Entry or TSA Pre✔®
- No rewards limit or expiration while the account is open.
- 3x points on travel
- 2x points on everything else
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