Flagship Premier Visa Signature®
50,000 points after you spend $4,000 in 3 months. $95 a year.
- Welcome offer
- Issuer's pagenavyfederal.org
The source states this figure; we have no exact sentence on file yet.
- Annual fee
- Issuer's pagenavyfederal.org
“$95 annual fee”
- Purchase APR
- Issuer's pagenavyfederal.org
“As of 09/29/2026, the Purchases, Balance Transfers, and Convenience Checks APRs range from 15.74% APR to 18.00% APR, are based on creditworthiness, and will vary with the market based on the U.S.”
- Foreign transaction fee
- Issuer's pagenavyfederal.org
The source states this figure; we have no exact sentence on file yet.
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $50 | $50 |
| Typical spender | $775 | $275 |
| Heavy spender | $1,210 | $710 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Assumed: points valued at an assumed 1¢; welcome bonus needs $4,000 in 3 months; not counted: 4x travel.
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- Lower top APR than about 85% of the 128 cards on our Sign-up bonuses list (see the list).
- Worth more to a typical spender than about 70% of the 650 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Welcome offer
50,000 points
After you spend $4,000 on purchases in your first 3 months.
Offer valid for approved members who apply for a new account between 9/10/2026 and 1/3/2027. Bonus points post within 8 weeks after the 90-day period. The account must be open and not in default when the bonus posts. Offer may change or end without notice.
How you earn · Flagship Premier Program
- 4× pointstravel
- 3× pointsdining; restaurants
- 1× pointsEverything else
Rates and fees
| Annual fee | Issuer's pagenavyfederal.org “$95 annual fee” |
|---|---|
| Purchase APR | Issuer's pagenavyfederal.org “As of 09/29/2026, the Purchases, Balance Transfers, and Convenience Checks APRs range from 15.74% APR to 18.00% APR, are based on creditworthiness, and will vary with the market based on the U.S.” |
| Balance transfer APR | Issuer's pagenavyfederal.org “As of 09/29/2026, the Purchases, Balance Transfers, and Convenience Checks APRs range from 15.74% APR to 18.00% APR, are based on creditworthiness, and will vary with the market based on the U.S.” |
| Balance transfer fee | Issuer's pagenavyfederal.org The source states this figure; we have no exact sentence on file yet. |
| Cash advance APR | Issuer's pagenavyfederal.org “The Cash Advance APR is 18%.” |
| Cash advance fee | Issuer's pagenavyfederal.org The source states this figure; we have no exact sentence on file yet. |
| Penalty APR | Issuer's pagenavyfederal.org “The Penalty APR is 18% and may apply to an account if it becomes over 60 days past due.” |
| Foreign transactions | Issuer's pagenavyfederal.org The source states this figure; we have no exact sentence on file yet. |
Carrying a balance? See how long it takes to pay off
Benefits
- Annual airline credit: $100 annual
- Global Entry or TSA PreCheck statement credit: $120 every 4 years
- Up to $120 in statement credits for Global Entry or TSA Pre✓® application fees every 4 years.
- Complimentary 3 GB GigSky® global mobile data plan, valid for up to 15 days after activation in eligible countries when the card is the default payment method in the GigSky app.
- Travel and Emergency Assistance, including medical referral, lost luggage locator service, and prescription assistance.
- No booking portal required for travel rewards.
- Travel accident
- Emergency assistance
- Rental car
Questions
- What is the annual fee?
- $95 navyfederal.org, since Oct 1, 2026
- Does it charge a foreign transaction fee?
- No. navyfederal.org, since Sep 29, 2026
- What is the purchase APR?
- 15.74–18.00% APR navyfederal.org, since Sep 29, 2026
- Is there a welcome bonus?
- 50,000 points after $4,000 in purchases in 3 months. navyfederal.org, since Oct 1, 2026
- What credit do you need?
- Very good to excellent credit navyfederal.org, since Sep 29, 2026
Other points cards with fees up to $100
- Citi Strata Premier - TravelCiti · $95 a year+$195 a year
- Bilt ObsidianBilt · $95 a year+$165 a year
- Bank of America Premium RewardsBank of America · $95 a year+$105 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).