Terms checked 2026-10-19
The flagship premium travel card, rebuilt in 2025 with a credit stack that can out-earn its fee.
100,000 pts bonus (≈$2,050)AF: $795Rating: 9.2/10
Navy Federal Visa Signature Flagship Rewards
By Alex Compton · Last verified
Replaced by Flagship Premier. No longer open to new applicants.
★ 7.8/10Navy Federal Credit UnionpersonalNavy Federal Points
DiscontinuedBest for: Existing cardholders only, the card is closed
Welcome Bonus
None recorded
Last recorded offer
Spend Requirement
None recorded
Last recorded requirement
Annual Fee
$49
Last recorded · No FTF
Credit Score
700+
(Good-Excellent)
Common Questions
Is the Navy Federal Visa Signature Flagship Rewards discontinued?
Yes. Closed to new applicants. Navy Federal replaced Flagship Rewards with the Flagship Premier Visa Signature ($95 fee, 4X travel, 3X dining, $100 airline credit); the old product URL now redirects there and existing Flagship Rewards holders can switch without applying. Replaced by Flagship Premier. No longer open to new applicants.
What can I use instead of the Navy Federal Visa Signature Flagship Rewards?
The closest open alternatives we track are the Chase Sapphire Reserve, Chase Sapphire Preferred, Capital One Venture X. Each links to our full review with its current offer and complete breakdown.
Open Alternatives
The Navy Federal Visa Signature Flagship Rewards is no longer open to new applicants. Compare these cards for a similar use.
Terms checked 2026-10-26
The best first travel card in the game. Full transfer partner access for $95.
75,000 pts bonus (≈$1,538)AF: $95Rating: 9.0/10
Capital One Venture XCapital One
Terms checked 2026-10-26
Premium travel with the easiest break-even math in the category.
75,000 pts bonus (≈$1,350)AF: $395Rating: 9.0/10
Historical Offers Chart
Dated offer history for this discontinued product.
Sign-Up Bonus (points)Spending Requirement ($)
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-10-12 | 0 | No recorded spend | Offer ended: 35,000 → 0 · Spend: $3,500 → $0 · Window: 3 months → 0 monthsClosed to new applicants. Navy Federal replaced Flagship Rewards with the Flagship Premier Visa Signature ($95 fee, 4X travel, 3X dining, $100 airline credit); the old product URL now redirects there and existing Flagship Rewards holders can switch without applying | Navy Federal Flagship Premier Visa Signature product page → |
| 2026-06 | 35,000 | $3,500 in 3 mo | Terms reconfirmed35,000 points plus a free year of Amazon Prime, offer runs through 6/30/2026 | Archive record · no attached snapshot |
| 2026-01 | 35,000 | $3,500 in 3 mo | Bonus decreased: 40,000 → 35,000 · Spend: $4,000 → $3,500Plus free Amazon Prime year | Archive record · no attached snapshot |
| 2024-01 | 40,000 | $4,000 in 3 mo | Earliest record40,000 points plus free Amazon Prime year | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- changed
Flagship Rewards replaced by Flagship Premier; old URL redirects and the page calls Flagship Rewards the original version; marked discontinued
Fields: discontinued, currentOffer
Navy Federal Flagship Premier Visa Signature product page →
Historical record · spot an outdated offer? Report a correction above.
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Last Recorded Earning Rates
These terms are historical context and are not presented as current.
- 3xTravel (airfare, hotels, cruises, rideshare and more)
- 2xAll other purchases
Last Recorded Credits
No statement credits, this card wins on earn rates, not coupons.
Last Recorded Benefits
Confirm availability and enrollment requirements with the issuer.
- ✦Global Entry or TSA PreCheck credit (up to $120 every 4 years)
- ✦Visa Signature concierge and travel protections
- ✦No foreign transaction fees
- ✦Navy Federal's famously high credit limits
Why it earns its spot
- +2x floor on everything beats most $49 cards
- +Low APR range and no FTF, rare for a travel card
- +Existing holders can switch to Flagship Premier with no application
Where it costs you
- −No longer offered: replaced by Flagship Premier
- −Membership limited to military, veterans, DoD and family
- −Points are fixed value, no transfer partners
- −3x travel trails premium cards once you count their credits
The Compound Verdict
This card is history for new applicants. Navy Federal replaced it with the Flagship Premier Visa Signature: a $95 fee, 4X points on travel, 3X on dining, 1X on everything else, a $100 annual airline credit, and 50,000 bonus points after $4,000 in 90 days for applications through January 3, 2027. Current Flagship Rewards holders can switch without applying; new applicants should look at Flagship Premier instead.
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