The Navy Federal Visa Signature® Flagship Rewards Credit Card is designed for travelers who want to make the most of their spending. This card offers a range of benefits and rewards that can significantly enhance your travel experiences. Let’s explore the key features and advantages of this travel-focused credit card.
One of the standout perks is the generous sign-up bonus. New cardholders can earn 35,000 bonus points by spending $3,500 or more in net purchases within the first 90 days of account opening. This substantial bonus can be a great way to kickstart your rewards balance and put you well on your way to your next trip. Remember that “net purchases” exclude transactions like cash advances, balance transfers, and fees. Allow up to 8 weeks after meeting the spending requirement for the bonus points to be credited to your account, and ensure your account remains open and in good standing.
For those who are Amazon Prime members, the Navy Federal Travel Card provides an annual Amazon Prime membership credit. Cardholders can receive a statement credit to cover the cost of their annual Amazon Prime membership. This offer is valid for annual memberships only and is limited to one promotional offer per card per year. Please allow 6-8 weeks for the statement credit to appear on your account after your membership is renewed or initiated.
Understanding the financial aspects is crucial. As of February 18, 2025, the Annual Percentage Rate (APR) for purchases ranges from 15.49% to 18.00%, based on your creditworthiness and market fluctuations tied to the U.S. Prime Rate. There’s a $49 annual fee associated with the Visa Signature® Flagship Rewards card. For ATM cash advances, there are no fees at Navy Federal branches or ATMs; otherwise, it’s $0.50 for domestic and $1.00 for foreign transactions.
The rewards structure is a significant draw for travel enthusiasts. You’ll earn 3 rewards points for every dollar spent on travel purchases and 2 points per dollar on all other net purchases. Travel purchases typically fall under merchant category codes like airlines, hotels, car rentals, and cruises. While most travel-related spending qualifies for the 3x points, some merchant codes might categorize transactions differently, resulting in 2 points per dollar. Always refer to the Flagship Rewards Program Description for detailed information on eligible categories.
To further enhance your travel experience, the Navy Federal travel card includes a statement credit for Global Entry or TSA Pre✓®. Cardholders are eligible for up to $120 in statement credits every 4 years to cover application fees for either Global Entry or TSA Pre✓®. This benefit helps expedite your airport security experience, making travel smoother and less stressful. Remember to use your Navy Federal Visa Signature Flagship Rewards Card to pay for the application fees to activate this credit. Allow 6-8 weeks for the credit to be applied to your account.
In conclusion, the Navy Federal Travel Card, also known as the Visa Signature® Flagship Rewards Credit Card, offers a compelling package of travel rewards and benefits. From the initial bonus points and Amazon Prime credit to the ongoing rewards on travel and everyday purchases, plus the Global Entry/TSA Pre✓® credit, this card is designed to add value for frequent travelers. Be sure to review the terms and conditions and consider if the benefits align with your spending habits and travel aspirations.
