Traveling isn’t just about visiting new places—it’s about making the most of the journey. The Navy Federal Credit Union Visa Signature® Flagship Travel Rewards Credit Card was built for that exact purpose. Whether you’re flying internationally, road-tripping across states, or booking a last-minute hotel, this card helps you turn everyday purchases into rewarding experiences.
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Combining generous rewards, no foreign transaction fees, and exclusive travel perks, this card caters to individuals with good to excellent credit who want more from their credit card. From statement credits for TSA Pre✓® to a free year of Amazon Prime®, it goes well beyond the usual travel card benefits.
Details of the Visa Signature® Flagship Travel Rewards Credit Card
The Visa Signature Flagship Travel Rewards Credit Card is Navy Federal’s premium travel offering. It features a $49 annual fee, which is offset by a wide range of benefits that appeal to frequent travelers and everyday spenders alike. Cardholders earn 3 points per dollar on travel purchases, which include flights, hotels, car rentals, and more, while all other purchases earn 2 points per dollar—a solid return even outside of travel spending.
There’s no limit to how many points you can earn, and best of all, points never expire. These points can be redeemed for travel, cash, gift cards, or merchandise, giving users the flexibility to use rewards the way they want. Navy Federal also waives foreign transaction fees, making this card especially ideal for those who travel abroad frequently.
Additionally, new cardholders can earn 35,000 bonus points (worth $350) by spending $3,500 within 90 days of account opening. As an added bonus, the card reimburses the $139 cost of an annual Amazon Prime® membership, helping you save on streaming and shopping perks.
Qualification requirements
Before applying, it’s important to ensure you meet the key requirements for the Flagship Travel Rewards Credit Card. Navy Federal primarily extends this card to individuals with very good to excellent credit scores. While they don’t disclose a specific minimum score, applicants with scores above 700 typically have the best chance for approval.
You also need to be a Navy Federal Credit Union member, which includes active-duty and retired military personnel, veterans, and their families. Membership is also available to Department of Defense civilian employees and contractors. If you’re not a member yet, you can check your eligibility online before applying.
Another requirement that may influence your approval is your debt-to-income ratio. Even if your credit score is strong, a high monthly debt load could impact the decision. Luckily, Navy Federal offers a prequalification tool that lets you check your eligibility without affecting your credit score.
Benefits and advantages
- 3X points on travel purchases
Every dollar you spend on eligible travel purchases earns you 3 points. That includes flights, hotels, rental cars, cruise lines, and even some transit and parking charges. - 2X points on all other purchases
Whether you’re buying groceries or gadgets, you earn double points on everything else, making it rewarding even when you’re not on the move. - 35,000 bonus points welcome offer
Spend $3,500 within 90 days and you’ll be rewarded with 35,000 points—redeemable for $350 worth of travel, cash back, or merchandise. - Free year of Amazon Prime®
Pay for your Amazon Prime® membership using your card and receive a $139 statement credit, essentially covering the full cost of the service. - Global Entry or TSA Pre✓® credits
Get reimbursed up to $120 for your TSA Pre✓® or Global Entry application every 4 years. This helps streamline your airport experience while saving money. - No foreign transaction or balance transfer fees
Save money on international purchases and balance transfers with $0 fees on both, a rare perk for a travel rewards card. - Travel and emergency protections
The card offers automatic travel accident insurance, travel and emergency assistance, and a collision damage waiver when renting cars. - Fraud protection and digital features
Access your credit score, set up fraud alerts, freeze/unfreeze your card, and enjoy zero liability on unauthorized transactions. - Low variable APR
The card’s APR ranges from 15.49% to 18.00%, which is competitively lower than the national average according to 2023 data.
How to apply
Applying for the Navy Federal Visa Signature Flagship Travel Rewards Credit Card is a simple and straightforward process. First, you’ll need to be a Navy Federal member. If you aren’t already, you can start by checking your eligibility through their website. The application to become a member is quick and usually requires basic information about your relationship to the military or Department of Defense.
Once you’re a member, you can proceed to apply for the card either online, through the Navy Federal app, or by visiting a local branch. It’s a good idea to use their prequalification tool beforehand, which allows you to see if you’re likely to be approved without a hard pull on your credit. During the application, you’ll provide standard financial information including income, employment status, and monthly housing costs.
If approved, you may receive a digitally issued card you can use immediately, even before your physical card arrives in the mail. From there, you can start earning points on every purchase and take advantage of all the travel perks the card offers.
