Navy Federal Flagship Premier Visa Signature® Credit Card
Navy Federal Credit Union
$95
Annual Fee
visaGood → Excellentcash-backno-annual-fee17 days ago
Welcome Offer
50,000 pts(≈ $500)Spend $4,000 within 3 months
OpenCard analysis
Is the Navy Federal Flagship Premier Visa Signature Credit Card right for you?
The Navy Federal Flagship Premier Visa Signature is a $95-a-year cash-back card from Navy Federal Credit Union. Its strongest everyday earning is 4% on travel, with 1% on most other purchases. It needs to earn at least $95 more a year than a no-fee alternative to justify the fee.
Who it's for
- ✓ People who spend steadily on travel, where it earns 4%
Who should skip it
- — Heavy spenders outside travel — everything else earns 1%
- — Anyone who won't earn at least $95 a year more than a no-fee card
First-year value estimate
Welcome bonus
$500
Rewards on spending
$210
Annual fee (year 1)
−$95
Year 1, before credits
$615
Year two, without the welcome bonus: about $115 before credits ($210 in rewards minus the $95 fee).
Assumptions
- $3,000 a year in travel (4%) and $9,000 on everything else (1%) — $12,000 total, about $1,000 a month.
- Rewards valued at 1¢ per point or 1% cash back (cash-equivalent).
- Welcome bonus: 50,000 Navy Federal Rewards at 1¢ each (OpenCard valuation) ≈ $500.
- Annual fee of $95 in year one and every year after.
An illustration, not a promise of value. Change the spending to match yours; rewards are not cash until redeemed. Card data reviewed 2026-10-02.
How it compares
My GM Rewards Card Mastercard →
Goldman Sachs, lower fee ($0 vs $95); earns 10% on GM (new vehicle purchases, service, parts, Super Cruise).
Blue Cash Preferred →
American Express, same $95 annual fee; earns 6% on Select U.S. Streaming Subscriptions.
Capital One SavorOne Rewards →
Capital One, lower fee ($39 vs $95); earns 8% on Capital One Entertainment.
Rules and gotchas
- The welcome bonus requires $4,000 in 3 months — roughly $1,333 a month. That's more than the $1,000 a month in our illustration, so the bonus assumes about $333 a month of extra spending.
Frequently asked questions
- Does the Navy Federal Flagship Premier Visa Signature have an annual fee?
- Yes — $95 a year, according to the issuer information in our record.
- What does the Navy Federal Flagship Premier Visa Signature earn?
- 4% on travel, 3% on dining, and 1% on other purchases.
- Is the Navy Federal Flagship Premier Visa Signature worth it in the first year?
- Using our illustration ($12,000 of yearly spending, $3,000 of it in travel), the first year comes out around $615 before credits, including a welcome bonus valued at $500. Year two drops to about $115 before credits.
- What credit do I need for the Navy Federal Flagship Premier Visa Signature?
- Our record lists "Good to Excellent" credit as the typical target for the Navy Federal Flagship Premier Visa Signature. Navy Federal Credit Union makes the final decision based on its own criteria.
Earning Rates
4×Travel4X points on all travel, no matter how you book
3×Dining3X points on dining
1×All Other Purchases1X points on everything else
Other Benefits
Other Benefits
No foreign transaction fees
No foreign transaction fees on international purchases
Travel protection
Travel accident and baggage insurance
Insurance
Trip Cancellation
Trip Delay
Rental InsurancePrimary
Purchase Protection
Extended Warranty
Sources
Last Updated: Oct 2, 2026