Navy Federal Flagship Rewards card – 3x on Travel, $400 Bonus and only $49 Annual Fee

Why the Navy Federal Flagship Rewards card stands out

The Navy Federal Flagship Rewards card is a smart travel rewards option for active-duty, veterans, and their families who qualify for Navy Federal membership. With 3x points on travel and a $400 welcome bonus, it delivers premium value for a modest $49 annual fee, putting it ahead of many pricier travel cards.

Cardholders get a practical blend of everyday rewards and travel perks without paying high fees, which makes the Flagship Rewards card a go-to for frequent flyers and road trippers who want straightforward value from their credit card.

Rewards structure and redemption flexibility

You earn 3 points per dollar on travel purchases and 2 points per dollar on everything else, so the Navy Federal Flagship Rewards program accelerates earning on flights, hotels, rideshare, parking, and attractions. Points are generally worth about 1 cent apiece when redeemed, keeping redemptions simple and predictable.

Points can be redeemed for travel, statement credits, cash back, or gift cards, giving members flexibility based on how they travel or save. That versatility makes the Flagship Rewards card useful whether you want to cut airfare costs or turn rewards into everyday savings.

Sign-up bonus and premium travel perks

The current sign-up bonus is a standout: 40,000 bonus points (about $400) after spending $3,500 in the first 90 days, which effectively covers many months of the $49 annual fee. That immediate boost is ideal for booking a round-trip domestic ticket or offsetting hotel stays early on.

Beyond the bonus, the card offers statement credits up to $100 for Global Entry or TSA PreCheck every four years, speeding you through airport security and immigration. Those perks, combined with the high travel earn rate, make the Flagship Rewards card work well for frequent travelers.

Costs, eligibility and who should apply

The annual fee is $49 and there’s no foreign transaction fee, so traveling abroad won’t add extra charges on purchases. Rates are variable based on creditworthiness, so check Navy Federal Credit Union for the current APRs and terms before applying.

This card is best for Navy Federal members who travel several times a year and want a low-fee card that still packs meaningful travel rewards. If you value 3x points on travel, a solid sign-up bonus, and airport credits, the Flagship Rewards card deserves a close look and is easy to recommend as a practical travel rewards option.