What is the average credit score needed to get approved for Navy Federal Credit Union Visa Signature Flagship Rewards card?

You need to have a minimum credit score of 670 to get approved for the Navy Federal Credit Union Visa Signature Flagship Rewards card.

Does Navy Federal Credit Union Visa Signature Flagship Rewards card report to all three credit bureaus?

Yes, Navy Federal Credit Union reports to all three major credit bureaus.

Is the Navy Federal Credit Union Visa Signature Flagship Rewards card application process lengthy? Can you prequalify?

Only members of Navy Federal are eligible for this card. If you’re a member and have the required credit score of between 670 and 850, you are eligible to apply. You can use their website tool to find out if you prequalify before submitting the Navy Federal Credit Union Visa Signature Flagship Rewards card application.

What information is needed to apply for Navy Federal Credit Union Visa Signature Flagship Rewards card?

In addition to your basic personal details like your full name, home address, date of birth and social security number, you also need to provide the company with your driver’s license or government ID and credit card or bank account number.

Does Navy Federal Credit Union Visa Signature Flagship Rewards card have good customer service or satisfaction?

There’s no information regarding the bank’s latest customer service ratings. However, according to J.D. Power 2020 U.S. Credit Card Satisfaction Study, Navy Federal outperformed the most other average regional banks with a high score of 869.

Does Navy Federal Credit Union Visa Signature Flagship Rewards card have a mobile app or the option to pay or manage your account online?

Yes. Navy Federal Credit Union offers a mobile app for iOS and Android users. You can also pay and manage your account online.

Does Navy Federal Credit Union Visa Signature Flagship Rewards card raise credit limits automatically or charge for limit increases?

It doesn’t cost anything to request a credit increase. Just call customer service or log into your online banking account. You'll need to provide your most recent income statements and details on housing expenditures, as well as permission to retrieve your credit report. The company will increase Navy Federal Credit Union Visa Signature Flagship Rewards card credit limits based on your creditworthiness.

Does Navy Federal Credit Union Visa Signature Flagship Rewards card offer the options to freeze your credit/account or have other security features?

Yes. You can freeze/unfreeze the card using the mobile app of online banking services. Alternatively, you can contact Navy Federal Credit Union customer support and request that the card be locked. You may also benefit from its zero liability policy for reported unauthorized transactions.

Does Navy Federal Credit Union offer other credit cards besides Navy Federal Credit Union Visa Signature Flagship Rewards card?

Yes, the company offers a range of credit cards including Navy Federal Credit Union cashRewards Visa card, Navy Federal Credit Union More Rewards American Express card and Navy Federal Credit Union Platinum card.

MoneyGeek’s Take

Navy Federal Credit Union Visa Signature Flagship Rewards card Review

For a moderate annual fee, the Navy Federal Credit Union Visa Signature Flagship Rewards card offers generous rewards and privileges for Navy Federal Credit Union members. This distinguishes it as a standout choice for avid travelers who are current or retired members of the armed forces or Department of Defense personnel and their families.

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

Navy Federal Credit Union Visa Signature Flagship Rewards card
A good travel rewards card with nominal annual fees
- 2–3 pointsRewards Rate
- 14.99% – 18.00% VariableAPR
- $49Annual Fee
- Good–ExcellentRecommended Credit
We feel the Navy Federal Credit Union Visa Signature Flagship Rewards card might work well for people who wish to make the most of their travel purchases without paying a steep annual fee.
This card comes with a $49 annual fee. It offers statement credits for Global Entry or TSA PreCheck fees, worldwide automatic travel accident insurance, collision damage waiver, and travel and emergency assistance. It charges no foreign transaction fees, which makes it perfect for use outside of the U.S.
New cardholders stand to get 40,000 bonus points (valued at $400) if they spend $4,000 on purchases in the first 90 days. Travel purchases from a host of categories earn 3X points per dollar, and all other purchases fetch 2X points.
If you plan to maintain revolving balances in your account, you may benefit by using this card’s introductory low APR offer on purchases, through which you pay 1.99% interest for the first six months. Further, this card does away with cash advance and balance transfer fees.
Pros
Moderate annual fee
No foreign transaction fees
High travel rewards rate
Variable APR of between 13.74% – 18.00%
No cash advance and balance transfer fee

Cons
Not available to all
Needs very good to excellent credit score to qualify
Spending $3,000 within 90 days after receiving the card, earns you 30,000 bonus points worth $300.
Up to $100 in statement credits for Global Entry or TSA PrecCheck programs.
1.99% intro APR on purchases for 6 months, following which, a variable APR of 13.74% – 18.00% applies.
Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.
Terms, rates and fees apply
Compare this credit card with other top-rated credit cards.

WHY TRUST OUR REVIEWS

MoneyGeek uses a comprehensive rating methodology to rate a wide range of credit cards and issuers. The rating method begins with data collection from the Consumer Financial Protection Bureau's database, standardization of data points for card comparison, estimation of average spend profiles, consideration of yearly and introductory bonuses for each card, and computation of the card's three-year worth. Monthly re-ranking of the cards and semi-annual upgrading of the card list are also part of our process.

For military families who travel frequently, the Navy Federal Credit Union Visa Signature Flagship Rewards Card is an excellent choice. The rewards structure of three points per dollar on travel purchases and hotel costs — and two points per dollar on all other purchases — is impressive for a card with a moderate annual fee and no foreign transaction fees.

The card is limited to Navy Federal members who are affiliated with the military or the Department of Defense. Our review of the Navy Federal Credit Union Visa Signature Flagship Rewards card delves into its features so you can compare it to others and determine if it's the best card for you.

>>MORE: NAVY FEDERAL MEMBERSHIP REQUIREMENTS

Navy Federal Credit Union Visa Signature Flagship Rewards card

With the Navy Federal Credit Union Visa Signature Flagship Rewards Card, you can earn at least two points for every dollar you spend on eligible purchases. Additionally, it offers the following offers and bonuses.

Quick Take

No annual fee
2% cash back on all purchases
Redeem cash back as a statement credit, a direct deposit to a Wells Fargo account or a mailed check
Spend $4,000 within three months from account opening to earn a $400 welcome bonus
Enjoy 0% APR on purchases and balance transfers for first 15 months
3% foreign transaction fee

Important Card Details

It’s important to understand your rights as a credit card holder. Apart from that, understanding the benefits, fees, and interest rates associated with the Navy Federal Credit Union Visa Signature Flagship Rewards card can help you compare it with other cards.

Fees, interest rates, rewards rates and other information for the Navy Federal Credit Union Visa Signature Flagship Rewards Card can be found in the table below.

Annual Fee
The card’s annual fee is $49, which is not unreasonable for a rewards card.
Foreign Transaction Fee
It's an excellent credit card for international travel because there is no foreign transaction fee and the travel rewards are substantial at three points for every dollar spent.
Regular APR
The Navy Federal Credit Union Visa Signature Flagship Rewards card has a variable APR of between 14.99% – 18.00%, depending on your credit score. The prime rate in the United States determines the current rate. Balance transfers are charged at 1.99% for the first six months, and the regular APR applies after that.
Cash Advance/Balance Transfer Fee
The card does not charge a fee for balance transfers or cash advances. If it’s an ATM cash advance, they’re still free if performed at a Navy Federal branch or ATM.
Rewards Rate
For every dollar spent with the card for travel purchases, you will receive three reward points. For every other purchase, you earn two points per dollar.

Additional Benefits

In addition to the benefits offered by the Navy Federal Credit Union Visa Signature Flagship Rewards card, it includes a number of appealing features that make it a convenient and secure travel companion.

For additional information on the terms used in your credit card statement or terms, see MoneyGeek's credit card glossary.

Tap to Pay: Your contactless Visa Signature Flagship Card can be used to make purchases quickly and securely by just tapping it on card readers equipped with the contactless feature.
Travel and Emergency Assistance: With the card, you'll have access to a wide range of emergency services, anywhere and at any time. Medical referrals, lost luggage tracking and prescription assistance are all included.
Cell Phone Protection: By using the card to pay your monthly cell phone bills, your phone is eligible for coverage against theft, damages and unintentional loss.
Collision Damage Waiver: When you rent a car for 15 days or less and pay with the card, you are insured for Collision Damage Waiver. Physical damage and theft to the rental car are covered, as well as reasonable towing costs, legitimate loss-of-use penalties imposed by the auto rental business, your deductible, and other eligible expenses not covered by your temporary or rental insurance.
Worldwide Automatic Travel Accident Insurance: When you use the card to pay for the whole common carrier fare for a covered trip, you and your dependents are automatically protected for physical injury and/or loss for one year from the accident date.
Customer Service: Customer service personnel are available 24/7 to support you with your card-related queries and concerns.
Mobile App: The company also has a mobile app for Android and Apple phones that can be used to check balances, pay bills, lock and unlock cards, transfer money and more.

How the Navy Federal Credit Union Visa Signature Flagship Rewards card Compares To Other Cards

Because of its travel rewards and no fee for overseas transactions, this card stood up well against most other travel rewards cards. How you think it compares to other reward cards, on the other hand, depends on what you're seeking in a credit card.

How the Navy Federal Credit Union Visa Signature Flagship Rewards card Compares

Navy Federal Credit Union Visa Signature Flagship Rewards card

Annual Fee: $49
International Transaction Fee: None
Regular APR: 14.99% – 18.00% variable
Rewards Rate: 2-3 points per dollar
Best For: Frequent fliers belonging to Navy Federal Credit Union or military families

American Express® Gold Card

Annual Fee: $250
International Transaction Fee: None
Regular APR: 20.99% – 28.99% variable
Rewards Rate: 1-4 points per dollar
Best For: Frequent fliers and diners

Frequently Asked Questions

*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
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