Navy Federal Visa Signature Flagship Rewards
$49/year, earning Navy Federal Rewards Points, on the Visa network.
Card terms last verified against issuer pages on 2026-09-20.
The Navy Federal Visa Signature Flagship Rewards is a $49/year card from Navy Federal Credit Union earning Navy Federal Rewards Points. It earns 3x on travel and 2x on everything else. It carries 1 recurring statement credit worth $25 a year, listed in full below with the cap and reset date for each.
What it earns
Rates are the multipliers Navy Federal Credit Union advertises. We do not convert them into a percentage return, because that requires putting a price on Navy Federal Rewards Points and that price is a judgement, not a fact — see how we source this.
| Category | Rate | Notes |
|---|---|---|
| Travel | 3x | |
| Other | 2x | Everything else |
Statement credits
$25 a year across 1 credit against a $49 annual fee. The columns that matter are the cap and the reset date: a credit paid monthly cannot be saved up, and one that resets on the calendar year expires on 31 December no matter when you opened the card.
Other perks
Benefits that are not dollar statement credits — certificates, lounge visits, point bonuses. Where a value appears it is an estimate, not an amount the issuer credits you, and it is excluded from the credits total above.
| Perk | How often | Estimated value |
|---|---|---|
| Visa Signature ConciergeComplimentary 24/7 Visa Signature Concierge service for restaurant reservations, event tickets, travel arrangements, gift shopping, and more. | Once a year | ~$30 |
| No Foreign Transaction FeesNo foreign transaction fees when making purchases outside the United States. | Once a year | — |
| Travel & Emergency AssistanceTravel and emergency assistance services available 24/7 — includes medical and legal referrals, emergency message relay, and pre-trip information (third-party fees for actual services apply). | Once a year | — |
| Zero Liability ProtectionZero Liability Protection so you are not responsible for unauthorized transactions reported promptly. | Once a year | — |
| 24/7 U.S.-based Member Service24/7 U.S.-based member service — speak with a representative any time of day. | Once a year | — |
| Rewards Never ExpireRewards points never expire as long as your account remains open and in good standing. | Once a year | — |
Status and included memberships
- Visa Signature Luxury Hotel Collection — Access to the Visa Signature Luxury Hotel Collection — exclusive benefits including room upgrades upon arrival (when available), complimentary in-room Wi-Fi, $25 food/beverage credit, late checkout, and best rate guarantee at 900+ luxury hotels worldwide.
Protections and insurance
Coverage terms below are summaries. Insurance benefits are governed by a separate guide to benefits document from the issuer, and the exclusions in that document are what actually decide a claim.
- Auto Rental Collision Damage Waiver — Secondary auto rental collision damage waiver for rentals of 15 consecutive days or fewer (31 days or fewer outside the U.S.) when the full rental cost is charged to the card and you decline the rental company's collision damage waiver.
- Travel Accident Insurance — Travel accident insurance providing coverage for accidental death or dismemberment when travelling on a common carrier with the fare paid using the card.
Questions people ask about the Navy Federal Visa Signature Flagship Rewards
What is the annual fee on the Navy Federal Visa Signature Flagship Rewards?
The Navy Federal Visa Signature Flagship Rewards has a $49 annual fee.
What statement credits does the Navy Federal Visa Signature Flagship Rewards include?
It carries 1 recurring statement credit worth $25 a year in total: Global Entry/TSA PreCheck Credit ($25, resets on the cardmember year). Verified 2026-09-20.
What does the Navy Federal Visa Signature Flagship Rewards earn?
3x on travel, 2x on other, and 2x on everything else, in Navy Federal Rewards Points.
Is the Navy Federal Visa Signature Flagship Rewards worth the annual fee?
Its recurring statement credits total $25 a year against a $49 fee, so the card pays for itself on credits alone if you use 100% of them. Whether that holds depends on whether the specific merchants suit you — the credit table on this page lists each one.
Does the Navy Federal Visa Signature Flagship Rewards charge foreign transaction fees?
No — the Navy Federal Visa Signature Flagship Rewards has no foreign transaction fee.
Other Navy Federal Credit Union cards
All Navy Federal Credit Union cards