Navy Federal · Visa Signature · Personal
Navy Federal Flagship Travel Rewards
A $49-a-year card earning Flagship Rewards: 3× on 7 categories, 2× on everything else.
- Annual fee
- $49Charged every year
- Signup bonus
- 35,000 ≈ $350 in travel (our estimate)*
- Top rate
- 3×7 categories
- Point value
- 1¢ In travel · 1¢ as cash (our estimate)*
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 35,000 points | $350 | – |
| Points on your spend Enter your spending | $0 | $0 |
| Credits you’d use None ticked yet | $0 | $0 |
| Annual fee Charged each year | −$49 | −$49 |
| NetYear one includes the bonus · at your inputs · our estimates* | $301 | −$49 |
Bonus terms: Earn 35,000 bonus points (a $350 value) when you spend $3,500 within 90 days of opening a new Flagship account. Plus, you’ll score a year of free Amazon Prime® (a $139 value)
Earning structure
8 categories, 2 rates
| Icon | Category | Points per $1 | Worth per $100 (our estimate)* |
|---|---|---|---|
| Airfare | 3× | $3.00 | |
| Car Rentals | 3× | $3.00 | |
| Cruises | 3× | $3.00 | |
| Hotels | 3× | $3.00 | |
| Ridesharing | 3× | $3.00 | |
| Transit | 3× | $3.00 | |
| Travel | 3× | $3.00 | |
| All Other | 2× | $2.00 |
The rest of the card
Details, rules and benefits
Card details
- Annual fee
- $49
- Card type
- Personal
- Network
- Visa Signature
- Bank
- Navy Federal
- Point system
- Flagship Rewards
- Travel value (our estimate)*
- 1¢ per point
- Cash value (our estimate)*
- 1¢ per point
- Foreign transaction fee
- None
- Transfer partners
- No
- Travel portal redemption
- Yes
- Cash to travel
- No
Application rules2
- Navy Federal Membership
Requires a Navy Federal Credit Union account which is open to active duty, retired, and veteran members of the military, Department of Defense employees, and their families.
- NFCU 91/3
Requires members to wait 91 days from their last credit card approval and have three full billing statements before applying for a new personal unsecured credit card or requesting a credit limit increase (CLI). After the first CLI, subsequent CLIs require a 182-day wait from the last CLI approval, without the statement requirement. This policy ensures responsible credit usage before granting additional credit.
Benefits2 · 1 high value
- Airport Express Credits High value$100 Global Entry or Pre✓ Credit
- Car Rental Insurance SECONDARY Collision Damage Waiver
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 Travel Rewards |  Navy Federal More Rewards |  Navy Federal Flagship Premier |  First Tech Federal Odyssey Rewards | |
|---|---|---|---|---|
| Annual fee | $49 | $0−$49 | $95+$46 | $75+$26 |
| Signup bonus | 35,000 pts | 20,000 pts | None | 30,000 pts |
| Top rate | 3×7 categories | 3×6 categories | 4×4 categories | 3×12 categories |
| Travel value * | 1¢Flagship Rewards | 1¢Flagship Rewards | –Cash back | –Cash back |
| Why it’s here | This card | Same issuer and the same Flagship Rewards points, with no annual fee | An annual fee within $100 | An annual fee within $100 |
Navy Federal More Rewards
$0 fee (−$49) · 3× top20,000 pts bonusSame issuer and the same Flagship Rewards points, with no annual fee
Navy Federal Flagship Premier
$95 fee (+$46) · 4× topNone bonusAn annual fee within $100
First Tech Federal Odyssey Rewards
$75 fee (+$26) · 3× top30,000 pts bonusAn annual fee within $100
* 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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