Navy Federal More Rewards / Flagship Rewards
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Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
View OfferBenefits and fees last verified May 2026against the issuer's published terms.
Earning Rates
Earning rates
2- 3xlodging
Earn 3X Navy Federal points per $1 on travel purchases including airline tickets, hotels, car rentals, cruises, campgrounds and RV parks, ride-sharing services, parking, tolls, bridges, ferries, and select travel-coded entertainment; the 3X travel category is uncapped (per Navy Federal Flagship Rewards product page earnings disclosure and Doctor of Credit Flagship coverage)
- 2xtravel
Earn 2X points per $1 on all other eligible net purchases that don't fall into the 3X travel bucket; the 2X base earning is uncapped, which makes this card unusual among U.S. travel cards in that there is no 1X catch-all tier (per Navy Federal Flagship Rewards product page earnings disclosure)
Statement credits
6- $139Amazon Prime membership creditYearly
Annual statement credit equivalent to the cost of an Amazon Prime membership (currently $139/year) when Amazon Prime is charged to the card
- $25Global Entry / TSA PreCheck application fee creditYearly
Up to $100 statement credit toward Global Entry or TSA PreCheck application fee, once every four years (amortized $25/yr)
- $350Navy Federal points have a baseline redemption value of 1 cent per point
Navy Federal points have a baseline redemption value of 1 cent per point: 35,000 points = $350; points can be redeemed for cash back as a statement credit or deposit to an NFCU share or checking account, for travel booked through the Navy Federal rewards portal, for gift cards, or for merchandise, all at the same 1 cent per point cap (per Navy Federal Flagship Rewards product page rewards redemption disclosure)
- $139Free annual Amazon Prime membership benefit
Free annual Amazon Prime membership benefit: each year you maintain the Flagship Rewards card, Navy Federal credits the equivalent annual cost of an Amazon Prime membership (currently $139/year) as a statement credit when you charge Amazon Prime to the card; this benefit alone offsets the $49 annual fee with $90 of net value per year (per Navy Federal Flagship Rewards product page Amazon Prime credit disclosure)
- $100$100 statement credit toward Global Entry or TSA PreCheck application fee, available once every four years when you pay the application fee with your Flagship Rewards card; the credit posts as a statement credit within 1-2 billing cycles of the qualifying application charge (per Navy Federal Flagship Rewards product page Global Entry / TSA PreCheck disclosure)
- $95No foreign transaction fees on purchases made outside the United States or in a foreign currency, making the Flagship Rewards card competitive for international travel against Chase Sapphire Preferred ($95 AF / no FX), Capital One Venture ($95 AF / no FX), and Bank of America Travel Rewards ($0 AF / no FX) at a lower $49 annual fee (per Navy Federal Flagship Rewards product page no FX fee disclosure and Doctor of Credit Flagship coverage)
Perks & memberships
4- Points longevityNavy Federal points do not expire as long as the Flagship Rewards account remains open and in good standing; there is no monthly minimum spend required to keep points alive (per Navy Federal Flagship Rewards product page points expiration disclosure)
- ConciergeVisa Signature Concierge: complimentary 24/7 concierge service accessible by phone for help with tickets to sports and entertainment events, dinner reservations at hard-to-book restaurants, gift sourcing, travel bookings, and similar requests; cardholder pays for any goods or services arranged (per Navy Federal Flagship Rewards product page Visa Signature Concierge callout)
- Hotel benefitVisa Signature Luxury Hotel Collection: access to special on-property benefits at over 900 hand-selected luxury hotels worldwide when booked through the Visa Signature Luxury Hotel Collection, typically including room upgrade upon arrival when available, complimentary in-room Wi-Fi, complimentary daily continental breakfast for two, a food or beverage credit, and late checkout (per Navy Federal Flagship Rewards product page Visa Signature Luxury Hotel callout)
- Authorized usersAuthorized users: Navy Federal does not charge an authorized user fee on the Flagship Rewards card, and authorized users earn points and benefit from the Visa Signature card features when using the card; authorized users must typically also be eligible for NFCU membership (per Navy Federal Flagship Rewards product page authorized user disclosure)
Travel & purchase protections
7- Visa Signature card network designation, providing the issuer-elected Visa Signature benefit suite including Visa Signature Concierge, travel and emergency assistance services, lost luggage reimbursement, travel accident insurance, auto rental collision damage waiver, Visa Signature Luxury Hotel Collection access, and Roadside Dispatch (per Navy Federal Flagship Rewards product page Visa Signature benefits list)
- Trip Cancellation and Trip Interruption insurance: coverage for non-refundable Common Carrier ticket costs charged to the card if a covered trip is cancelled or interrupted due to the death, accidental bodily injury, disease, or physical illness of the cardholder or an Immediate Family Member, or default of the Common Carrier; this Visa Signature trip protection is included on the Flagship Rewards card per Navy Federal's published Visa Signature benefits list (per Navy Federal Flagship Rewards product page travel insurance disclosure)
- Lost Luggage Reimbursement: Visa Signature coverage for checked or carry-on luggage that is lost or stolen during a trip taken on a Common Carrier when the trip was charged to the Flagship Rewards card; reimbursement is secondary to the carrier's coverage and the cardholder's homeowners or renters insurance per the standard Visa Signature Guide to Benefits referenced by the Navy Federal product page
- Travel Accident Insurance: Visa Signature common-carrier travel accident insurance providing accidental death and dismemberment coverage for the cardholder, spouse / domestic partner, and dependent children when the full fare of a Common Carrier ticket is charged to the Flagship Rewards card (per Navy Federal Flagship Rewards product page Visa Signature travel benefits disclosure)
- Auto Rental Collision Damage Waiver: Visa Signature secondary auto rental CDW coverage worldwide (excluding select restricted countries and vehicle types) when the entire rental is paid with the Flagship Rewards card and the cardholder declines the rental company's collision damage waiver; coverage is secondary to the cardholder's personal auto insurance (per Navy Federal Flagship Rewards product page Visa Signature CDW callout and standard Visa Signature Guide to Benefits terms)
- Travel and Emergency Assistance Services: Visa Signature 24/7 coordination of medical, legal, and travel referral services while away from home, including medical and legal referrals, emergency transportation assistance, emergency ticket replacement, and lost luggage locator service; the cardholder pays for the actual goods and services obtained (per Navy Federal Flagship Rewards product page Visa Signature benefits list)
- Roadside Dispatch: Visa Signature 24/7 pay-per-use roadside assistance dispatch in the U.S. and Canada (towing, jump start, tire change, lockout, fuel delivery, winching) at a pre-negotiated flat per-service price billed to the cardholder; no annual roadside membership is required (per standard Visa Signature Guide to Benefits referenced by the Navy Federal Flagship Rewards product page)
Before you decide, weigh alternatives
Lower-fee cards in the same category. A cheaper card can be the better fit if you will not use enough perks to earn back a bigger fee.
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How to Earn the Bonus
Spend $3,500 in the first months to earn the 35,000 bonus points (a $350 value) bonus.
See the Current Offer
Earn 35,000 bonus points (a $350 value)
View OfferAffiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
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