Navy Federal Flagship Rewards Review: Rich Travel Perks, Low Cost

The card offers high ongoing rewards and generous benefits for a modest annual fee, but you must be eligible to join the credit union to get it.

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Our Take


NerdWallet rating 
The bottom line:

The card packs a lot of value for a comparatively low cost, making it an excellent and cost-effective choice for travelers.

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Navy Federal Credit Union Flagship Rewards Credit Card
Navy Federal Credit Union® Visa Signature® Flagship Rewards Credit Card
Annual fee
Regular APR
10.24%-18.00%, Variable
Intro APR
1.99% intro APR on Purchases for 6 months
Rec. credit score
690-850 (Good - Excellent)


NerdWallet reviews credit cards with an eye toward both the quantitative and qualitative features of a card. Quantitative features are those that boil down to dollars and cents, such as fees, interest rates, rewards (including earning rates and redemption values) and the cash value of benefits and perks. Qualitative factors are those that affect how easy or difficult it is for a typical cardholder to get good value from the card. They include such things as the ease of application, simplicity of the rewards structure, the likelihood of using certain features, and whether a card is well-suited to everyday use or is best reserved for specific purchases. Our star ratings serve as a general gauge of how each card compares with others in its class, but star ratings are intended to be just one consideration when a consumer is choosing a credit card. Learn how NerdWallet rates credit cards.