With the September 2026 launch of the Navy Federal Credit Union® Flagship Premier Visa Signature® Credit Card, the credit union has added a higher-end, metal travel card option to its existing suite.
As Navy Federal’s most premium card, it charges a $95 annual fee. But it earns solid rewards on a broad selection of travel spending and comes with other useful benefits that can easily wipe out the cost.
Plus, as of September 2026, new cardholders can also earn 50,000 bonus points when they make $4,000 in eligible purchases during the first 90 days after account opening.
You must be a Navy Federal member, which requires you to be an active duty member of the military, a veteran, a civilian employee or contractor for the Department of Defense, or an immediate family member of someone who is eligible to join.
🤓Nerdy Tip
The Navy Federal Credit Union® Flagship Premier Visa Signature® Credit Card is a slightly more upscale version of the older (non-Premier) Navy Federal Credit Union® Visa Signature® Flagship Rewards Credit Card, which closed to new applicants on Sept. 10, 2026. Existing holders of that older version can continue to use their card or opt to upgrade to the new Premier version. More on that below.Ongoing rewards
The Navy Federal Flagship Premier Visa Signature Card earns:
- 4 points per dollar on travel, which includes airfare, hotels, vacation rentals, rental cars, online travel bookings, cruises, timeshares, ridesharing services, parking, buses, tolls and trains.
- 3 points per dollar on dining.
- 1 point per dollar on other purchases.
Points can be redeemed for travel, cash back, gift cards and more. Point values can vary depending on how you choose to redeem them.
Travel perks
The Navy Federal Flagship Premier Visa Signature Card offers a $100 annual airline credit for eligible purchases made directly with airlines. This includes airfare, checked bag fees, seat upgrades, in-flight Wi-Fi, and in-flight food and drink purchases. (Purchases on third-party travel sites, and charter or private jet flights, aren’t eligible for this credit.) This credit alone more than covers the annual fee.
There’s also a credit toward TSA PreCheck or Global Entry fees, plus Visa Signature benefits.
What's happening to the older version of the card?
The new Flagship Premier card is essentially replacing the older (non-Premier) version, which has a $49 annual fee and less robust rewards and perks.
If you already have that older version card, you can continue to use it. But you can also switch to the Premier version without having to apply. You’ll then be subject to the new card’s higher annual fee, but you won’t be charged two fees in the same year. If you recently paid the fee on your old card, it’ll be refunded.
Eligible existing cardholders who make the switch will get a promotional offer of 10 points per dollar on travel purchases for the first 90 days after the product change.
