Navy Federal Flagship Premier Visa Signature
50,000 points welcome · 4x on travel · $95/yr
Released in September 2026, the Flagship Premier is Navy Federal's more category-driven travel card: 4 points per dollar on travel and 3 on dining for a $95 annual fee, with no foreign transaction fee. The opening offer is 50,000 points, described as worth $500, after $4,000 in purchases in three months, and it is limited to accounts opened between September 10, 2026 and January 3, 2027. Recurring credits cover most of the fee if you fly at all, with $100 back each year after $100 in eligible airline purchases and up to $120 for Global Entry or TSA PreCheck every four years. The weak spot is the base rate of 1 point per dollar on everything outside travel and dining, which means this card should take a slice of your spending rather than all of it. The 15.74% to 18% APR range plus no balance transfer fees and no cash advance fees make it unusually forgiving for a travel card, and the 3GB GigSky data plan is a small extra for international trips.
Earn rates & credits
| Category | Rate |
|---|---|
Travel | 4x |
Dining | 3x |
Everything Else | 1x |
| Benefit | Value |
|---|---|
Annual Airline Credit $100 statement credit each year after spending $100 or more on eligible airline purchases with the card | $100 /yr |
Global Entry / TSA PreCheck Credit Up to $120 in statement credits for Global Entry or TSA PreCheck application fees, once every 4 years | $120 |
GigSky Global Data Plan Complimentary 3GB GigSky global mobile data plan, valid for up to 15 days after activation, when the card is the default payment method in the GigSky app | $20 |
| Total annual credits | $100 |
Card details
Regular APR | 15.74%–18% variable |
Foreign transaction fee | None |