Navy Federal Flagship Premier Visa Signature
Navy Federal · Visa · $95 annual fee · earns cash back.
Rates checked against the issuer 2026-10. Foreign transaction fee: none.
The short version
- Best at: nothing in particular — no category puts it in the top three of the catalogue.
- A year's rewards: about $410, or $315 after the fee.
Is the annual fee worth it?
It earns about $410 a year on the illustrative household's spending, which is $315 once the fee is paid. The best card with no fee, American Express Blue Business Plus, nets $1,058 on the same spending — so this card is $743 a year behind. On earning alone it does not catch up at any level of spending this looks at — its credits and perks have to make up the difference, or the fee is not paying for itself.
Priced on an illustrative household spending $2,205 a month on a card — the assumption, in full. Credits and perks are not priced: they are worth their face value only if you would have spent that money anyway.
What it earns, category by category
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Flights, Hotels, Car Rental, Public Transit, Rideshare & Taxis, Parking & Tolls | 4% | Travel however it is booked — airlines, hotels, car rentals, buses, taxis, cruises, parking, rideshare and transit |
| Restaurants & Bars | 3% | Restaurants |
| Everything else | 1% |
Where a year's rewards come from
| Spending on | Earns a yearWhat this card earns on each kind of spending over a year, for the illustrative household on the method page. Before the annual fee. |
|---|---|
| Restaurants & Bars | $108 |
| Groceries | $60 |
| Everything Else | $60 |
| Flights | $48 |
| Hotels | $36 |
| Gas Stations | $18 |
Priced on an illustrative household spending $2,205 a month on a card — the assumption, in full. Credits and perks are not priced: they are worth their face value only if you would have spent that money anyway.
What the issuer lists besides rewards
- No foreign transaction fees
- Membership is limited to the military community and their families
Similar cards
- American Express Blue Cash Preferred — annual fee $95 a year
- PenFed Pathfinder Rewards — annual fee $95 a year
- Bank of America Premium Rewards — annual fee $95 a year
- Robinhood Gold Card — annual fee $50 a year
- Every cash back card, ranked
- When an annual fee pays for itself
- The best two- and three-card combinations
Point values: published industry valuations. How every number here is worked out.