The advertised credit profile is general guidance, not a score cutoff or an approval prediction. Navy Federal Credit Union makes every lending decision.
- Annual fee and first-year pricing
- As of 10/28/2026, the Purchases, Balance Transfers, and Convenience Checks APRs range from 15.74% APR to 18.00% APR, are based on creditworthiness, and vary with the market based on the U.S. Prime Rate. The Cash Advance APR is 18%. The Penalty APR is 18% and may apply to an account that is over 60 days past due. ATM cash advance fees: None if performed at a Navy Federal branch or ATM. Otherwise, $0.50 per domestic transaction or $1.00 per foreign transaction. $95 annual fee for Flagship Premier Visa Signature® applies.
- Purchase APR
- Rates Purchase & Balance Transfer Variable APR between 15.74% to 18.00% Terms & Conditions
- Balance transfers and fees
- As of 10/28/2026, the Purchases, Balance Transfers, and Convenience Checks APRs range from 15.74% APR to 18.00% APR, are based on creditworthiness, and vary with the market based on the U.S. Prime Rate. The Cash Advance APR is 18%. The Penalty APR is 18% and may apply to an account that is over 60 days past due. ATM cash advance fees: None if performed at a Navy Federal branch or ATM. Otherwise, $0.50 per domestic transaction or $1.00 per foreign transaction. $95 annual fee for Flagship Premier Visa Signature® applies. Offer valid for members who apply for a new Flagship Premier Visa Signature® account between 9/10/2026 and 1/3/2027 and are approved. To earn the 50,000 bonus points, you must make at least $4,000 in eligible purchases within 90 days of account opening. Eligible purchases include purchases of goods and services, minus returns and credits, and exclude fees, interest, balance transfers, gambling, convenience checks, cash advances, and cash-equivalent transactions (e.g., money orders, gift cards, prepaid cards, person-to-person money transfers, purchases from securities broker-dealers, including prediction markets ). Bonus points post within 8 weeks after the 90-day period. Your account must be open and not in default at the time the bonus is scheduled to post. Limit of one promotional offer at account opening. Offer may change or end without notice. Flagship Premier Visa Signature® Credit Cards earn 4 points for every $1 of eligible purchases made on travel, 3 points for every $1 of eligible purchases made at restaurants (dining), and 1 point for every $1 of other eligible purchases. Eligible purchases include purchases of goods and services, minus returns and credits, and exclude fees, interest, balance transfers, gambling, convenience checks, cash advances, and cash-equivalent transactions (e.g., money orders, gift cards, prepaid cards, person-to-person money transfers). Merchants are assigned codes by payment networks based on what they primarily sell. We rely on this information to identify travel and restaurant purchases. Travel is typically coded as airline, hotel, car rental, bus lines, taxis, cruise lines, time shares, parking, rideshare, and transit. A travel or restaurant purchase may only earn 1 point per dollar spent, depending on the code used to process the transaction. If the purchase is not identified as a travel or restaurant purchase, it will receive 1 point per dollar spent. For example, purchases made at restaurants within another establishment (e.g., casino, grocery store, event venue) may not be assigned a restaurant code, which means they will only receive 1 point per dollar spent. For more information, view the Program Description for the Flagship Premier Card. No balance transfer fees
- Cash advances and fees
- As of 10/28/2026, the Purchases, Balance Transfers, and Convenience Checks APRs range from 15.74% APR to 18.00% APR, are based on creditworthiness, and vary with the market based on the U.S. Prime Rate. The Cash Advance APR is 18%. The Penalty APR is 18% and may apply to an account that is over 60 days past due. ATM cash advance fees: None if performed at a Navy Federal branch or ATM. Otherwise, $0.50 per domestic transaction or $1.00 per foreign transaction. $95 annual fee for Flagship Premier Visa Signature® applies. No cash advance fees
- Penalty APR
- As of 10/28/2026, the Purchases, Balance Transfers, and Convenience Checks APRs range from 15.74% APR to 18.00% APR, are based on creditworthiness, and vary with the market based on the U.S. Prime Rate. The Cash Advance APR is 18%. The Penalty APR is 18% and may apply to an account that is over 60 days past due. ATM cash advance fees: None if performed at a Navy Federal branch or ATM. Otherwise, $0.50 per domestic transaction or $1.00 per foreign transaction. $95 annual fee for Flagship Premier Visa Signature® applies.
- Redemption options and restrictions
- Love to travel? Or prefer cash back? Flagship Premier gives you the flexibility to redeem your points as you like. As long as your account is open, rewards won’t expire. Continue to spend and accrue rewards and redeem them at your convenience.
- Statement credits and enrollment
- Statement credits (up to $120) for Global Entry or TSA Pre✓® Receive a $100 statement credit each year after you spend $100 or more on eligible airline purchases with your Flagship Premier Card. Use your Flagship Premier Card to make airline purchases of $100 or more, and you’ll receive a $100 statement credit in return. The $100 in purchases can come from one or multiple transactions. Receive up to $120 for application fees for Global Entry, TSA PreCheck or both. Statement credits will be issued once any applicable program application fees have been charged to your Flagship Premier Card.
- Authorized users and fees
- Receive a $100 statement credit each year after you spend a total of $100 or more on eligible airline purchases using your Flagship Premier Visa Signature® Card. Your eligibility for the credit begins on the date your account is opened and renews each year on that date. This date appears in the Member Since field under My Profile in the Navy Federal Rewards Center. Any unused credit will not carry over to the next year. The $100 spending requirement may be met through a single purchase or multiple purchases totaling at least $100. Merchants are assigned codes by payment networks based on what a business primarily sells. Only purchases coded as airlines or air carriers qualify as eligible airline purchases and will count toward the required $100 or more to earn the statement credit. Charter or private jet flights do not qualify. After the $100 in eligible airline purchases posts to your account, it may take 6-8 weeks for the statement credit to appear. The statement credit may not be posted or may be reversed if the purchase(s) is/are canceled, modified, or returned. Your account must be open and not in default when the statement credit is scheduled to post to your account. Only the primary cardholder is eligible for this credit. Purchases made by authorized users do count toward the $100 spending requirement. Navy Federal may modify or end this offer at any time without notice.
- Membership, location and eligibility
- Navy Federal Credit Union membership required.
- Other conditions
- This card is best for: Maximizing travel rewards Life on the move Very good to excellent credit Rewards: 4X points on all travel 3X points on dining $100 annual airline credit Statement credits (up to $120) for Global Entry or TSA Pre✓® No booking portal required Complimentary GigSky® global mobile data plan No rewards limit or expiration while your account is open SPECIAL OFFER Earn even more with 50K bonus points when you spend $4K in your first 90 days . See Flagship Premier Offer . Learn more about this card for the Flagship Premier Visa Signature®
Recorded from Navy Federal Credit Union’s public information. Rates and fees change, so the issuer’s current disclosures are authoritative.
