Navy Federal · Visa Signature · Personal
Navy Federal Flagship Premier
A $95-a-year card earning cash back: 4× on 4 categories, 1× on everything else.
- Annual fee
- $95Charged every year
- Signup bonus
- NoneNo signup bonus listed
- Top rate
- 4×4 categories
- Point value
- 1¢Cash back, a cent a point
Year one and year two
Is it worth it for you?
Tick the credits you’d really use and enter what you spend. The ledger adds up the bonus, your points and the credits, less the fee.
| Line | Year one | Year two |
|---|---|---|
| Signup bonus None listed | $0 | – |
| Cash back on your spend Enter your spending | $0 | $0 |
| Credits you’d use None ticked yet | $0 | $0 |
| Annual fee Charged each year | −$95 | −$95 |
| NetYear one includes the bonus · at your inputs · our estimates* | −$95 | −$95 |
Earning structure
6 categories, 3 rates
| Icon | Category | Points per $1 | Worth per $100 (our estimate)* |
|---|---|---|---|
Ridesharing NotesRideshare services when coded as travel. Earns 1x if the merchant code is not travel. | 4× | $4.00 | |
Transit NotesBus lines, taxis, transit, parking, tolls, bridges and ferries when coded as travel. Trains included only if coded as transit. | 4× | $4.00 | |
Travel NotesCoded as airline, hotel, car rental, cruise, vacation rental or timeshare. Earns 1x if the merchant code is not travel or the purchase is not made directly with the provider. | 4× | $4.00 | |
Travel (Portal) NotesPortal not required. Same 4x travel rate whether booked directly or through the Navy Federal Rewards Center. | 4× | $4.00 | |
Dining NotesRestaurants coded as dining. A restaurant inside a casino, grocery store or venue may earn 1x if not coded as a restaurant. | 3× | $3.00 | |
All Other NotesOther eligible purchases. Fees, interest, balance transfers, cash advances and cash equivalents do not earn. | 1× | $1.00 |
The rest of the card
Details, rules and benefits
Card details
- Annual fee
- $95
- Card type
- Personal
- Network
- Visa Signature
- Bank
- Navy Federal
- Point system
- Cash back
- Foreign transaction fee
- None
- Transfer partners
- No
- Travel portal redemption
- Yes
- Cash to travel
- No
Benefits10 · 0 high value
- Airport Express Credits $120 Global Entry / TSA PreCheck Credit
- Car Rental Insurance Auto Rental Collision Damage Waiver
- Credits & Discounts $100 Airline Credit + 1 more credits & discounts benefit
- Instant Perks & Status Visa Signature Concierge
- Travel Protections Lost Luggage Reimbursement + 4 more travel protections benefits
Benefit details, terms, and availability may vary. Please refer to the card’s terms and conditions for complete information.
Alternatives
Head to head with similar cards
 Navy Federal Flagship Premier |  Navy Federal Flagship Travel Rewards |  Navy Federal More Rewards |  Bank of America Premium Rewards | |
|---|---|---|---|---|
| Annual fee | $95 | $49−$46 | $0−$95 | $95Same |
| Signup bonus | None | 35,000 pts | 20,000 pts | 60,000 pts |
| Top rate | 4×4 categories | 3×7 categories | 3×6 categories | 2×12 categories |
| Travel value * | –Cash back | 1¢Flagship Rewards | 1¢Flagship Rewards | 1¢Travel Rewards |
| Why it’s here | This card | An annual fee within $100 | An annual fee within $100 | Same $95 annual fee |
* Point valuations are RICH with POINTS™ editorial estimates, averaged from published valuations by The Points Guy, Upgraded Points, and Frequent Miler. They are not issuer figures and do not represent guaranteed redemption value.
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