RateHerald

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Navy Federal credit card

Flagship Premier Visa Signature®

$95 a year. 50,000 points after you spend $4,000 in 3 months. Purchase APR 15.74–18.00%, variable. No foreign transaction fees.

Checked Nov 1, 2026Updated

Welcome offer
Annual fee
Purchase APR · variable
Foreign transactions

Select an underlined figure to see where it comes from.

Navy Federal’s terms

Welcome offer

50,000 points

After you spend $4,000 on purchases in your first 3 months.

Spending it takes
$1,333 a month
for 3 months
Tracking since
Sep 29, 2026
history will chart every change

Offer valid for approved members who apply for a new account between 9/10/2026 and 1/3/2027. Bonus points post within 8 weeks after the 90-day period. The account must be open and not in default when the bonus posts. Offer may change or end without notice.

  • Larger than about 70% of the 44 other points bonuses we track.

In dollars

What it’s worth

Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.

SpendingValue against the feeFirst yearAfter
Light spender$50$50
Typical spender$775$275
Heavy spender$1,210$710
The spending each assumes, and what isn’t counted
  • Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
  • Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
  • Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month

Assumed: points valued at an assumed 1¢; welcome bonus needs $4,000 in 3 months; not counted: 4x travel.

$50a year

The same in the first year and after.

Rewards and credits$145

You keep $50−$95 annual fee

The spending this assumes

A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: points valued at an assumed 1¢; welcome bonus needs $4,000 in 3 months.

$275a year

$775 the first year, with the welcome bonus.

Rewards and credits$370

You keep $275−$95 annual fee

The spending this assumes

A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: not counted: 4x travel; points valued at an assumed 1¢.

$710a year

$1,210 the first year, with the welcome bonus.

Rewards and credits$805

You keep $710−$95 annual fee

The spending this assumes

A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: not counted: 4x travel; points valued at an assumed 1¢.

Use your own spending

Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards

Against the market

How it compares

Worth more to a typical spender than about 70% of the 732 cards we track.

  • Lower top APR than about 90% of the 163 cards on our Sign-up bonuses list (see the list).
  • Lower annual fee than about 25% of the 171 cards on our Sign-up bonuses list (see the list).

Other points cards with fees up to $100

Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

Flagship Premier Program

How you earn

4×
travel
3×
dining; restaurants
1×
Everything else

Points per dollar. “What it’s worth” values a point at an assumed 1¢.

Benefits

  • Annual airline credit: $100 annual
  • Global Entry or TSA PreCheck statement credit: $120 every 4 years
  • Complimentary GigSky global mobile data plan (One complimentary 3 GB Global Mobile Data Plan, valid for up to 15 days after activation, for use in eligible countries when Flagship Premier Visa Signature is set as the default payment method in the GigSky app. GigSky and Navy Federal may modify or end the offer at any time without notice.)
  • Up to $120 in statement credits for Global Entry or TSA PreCheck application fees, per program, every 4 years (4-year period based on date of first qualified transaction)
  • $100 annual airline credit: statement credit each year after spending $100 or more on eligible airline purchases (airlines/air carrier codes; charter and private jet flights excluded); eligibility renews on account opening anniversary; unused credit does not carry over; only primary cardholder eligible.
All 9 benefits
  • Travel and emergency assistance available 24/7 (medical referral, lost luggage locator, prescription assistance).
  • Travel accident
  • Emergency assistance
  • Rental car

Every figure with its receipt

Rates and fees

Annual fee
Purchase APRvariable
Balance transfer APR
Balance transfer fee
Cash advance APR
Cash advance fee
Penalty APR
Late payment
Returned payment
Foreign transactions
Grace period
Minimum interest charge

Before you apply

  1. What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
  2. Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)

Questions

What is the annual fee?
$95.00 · navyfederal.org, since Nov 1, 2026
Does it charge a foreign transaction fee?
No. · navyfederal.org · PDF, since Nov 1, 2026
What is the purchase APR?
15.74–18.00% APR · navyfederal.org, since Sep 29, 2026
Is there a welcome bonus?
50,000 points after $4,000 in purchases in 3 months. · navyfederal.org, since Oct 1, 2026
See it on navyfederal.org

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