What makes this credit card offer different
This credit card offer is a points-or-miles bonus, so the real value depends on how you redeem the rewards rather than only the headline count.
Credit Card
Navy Federal Flagship Rewards Bonus — Up to 35,000 Points
Sign up for Navy Federal Flagship Rewards Bonus and earn up to $350 in bonus rewards.
See all Navy Federal Credit Union offers →
Qualifying Period
Within 90 days of account opening
Payout
Up to 8 weeks after the 90-day period
Requirements
- ✓Spend $3,500 in eligible purchases within 90 days of account opening
- ✓Account must be open and in good standing when points post
- ✓Spend $3,500 or more in eligible purchases within 90 days of account opening
- ✓$3,500 in eligible purchases within 90 days of account opening
- ✓Make $3,500 or more in eligible purchases within 90 days of account opening
- ✓Account must be open and not in default when bonus posts
- ✓$3,500 spend within 90 days of opening new account
- ✓NFCU membership required
- ✓Min $3,500 in eligible purchases within 90 days of account opening
- ✓Account must be open and not in default at payout time
- ✓Navy Federal Credit Union member (military, veterans, DoD, or family eligible)
- ✓$3,500+ in eligible purchases within 90 days of account opening
- ✓Must be Navy Federal Credit Union member (military, veterans, family eligible)
- ✓Must be a Navy Federal Credit Union member (military, veterans, DOD employees, family members eligible)
- ✓Amazon Prime offer requires annual membership purchase on the card
- ✓Must spend $3,500 in eligible purchases within 90 days of account opening
- ✓Account must be open and not in default when points post
- ✓Eligible purchases are goods and services, minus returns and credits
- ✓Eligible purchases do not include fees, interest charges, balance transfers, gambling, convenience checks, cash advances, or other cash-equivalents
Restrictions
- ⚠New customers only
- ⚠Must be Navy Federal member (military, veterans, DoD personnel, or family)
- ⚠New cardholders only
- ⚠Must be Navy Federal Credit Union member or eligible to join
- ⚠Limit of one promotional offer at account opening
- ⚠Navy Federal Credit Union membership required
- ⚠Military or veteran eligibility (or qualifying family member)
- ⚠Limit of one promotional offer per account opening
- ⚠Military/veterans/DOD/family members only (Navy Federal membership requirement)
- ⚠Military/veterans and eligible family members only
- ⚠One promotional offer per account opening
- ⚠Navy Federal membership required (military, veterans, DOD employees, and family members)
- ⚠Limit of one promotional offer per card per account opening
- ⚠Must be Navy Federal Credit Union member (military, veterans, DoD, or family)
- ⚠Military and veterans eligibility required (NFCU membership eligibility)
- ⚠Navy Federal membership required (military, veterans, DOD employees, family members eligible)
- ⚠Limit of one promotional offer per account at opening
- ⚠Visa Signature® Flagship Rewards Credit Card accounts only
- ⚠New cardmember only
- ⚠Account must be open and not in default at time bonus posts
- ⚠Must be Navy Federal Credit Union member (military, veterans, DoD, family)
- ⚠Navy Federal Credit Union membership required (military, veterans, DoD employees, and eligible family members)
- ⚠NFCU approval required for membership
Fees
- $49 annual fee
- ATM cash advance fees: None at Navy Federal branch/ATM; $0.50 domestic/$1.00 foreign otherwise
- $49 annual fee for Visa Signature Flagship Rewards
- $49 annual fee for Visa Signature® Flagship Rewards
- $0.50 per domestic ATM cash advance fee (non-NFCU ATM)
- $1.00 per foreign ATM cash advance fee
- Limit of one promotional offer at account opening
- Eligible purchases exclude fees, interest, balance transfers, gambling, convenience checks, cash advances, and cash equivalents
- Free Amazon Prime annual membership (6-8 weeks to post after membership is paid with card)
- Eligible purchases exclude fees, interest charges, balance transfers, gambling, convenience checks, cash advances, and cash-equivalents
- Amazon Prime annual membership included (limit one per card per year; not valid for Prime Monthly or Prime Student)
- Allow 6-8 weeks for Amazon Prime statement credit to post
- Account must be open and not in default when bonus posts
- Up to $120 statement credits every 4 years for Global Entry or TSA Pre✓
- Free Amazon Prime annual membership included (requires separate annual membership payment; statement credit posts 6-8 weeks after payment)
- One Amazon Prime statement credit per card per year
- Account must be open and not in default when points post
- Points earned at 3x on travel, 2x on other purchases
- Eligible purchases exclude fees, interest charges, balance transfers, gambling, convenience checks, cash advances, and cash equivalents
- Free year of Amazon Prime annual membership included (requires annual membership paid with card)
- $120 credit for Global Entry or TSA Pre✓ application fees (every 4 years)
- Amazon Prime benefit: only for annual membership paid with the card; not valid for monthly Prime options. One Amazon statement credit per card per year. Allow 6-8 weeks for credit to post.
- Free Amazon Prime annual membership (only valid for annual membership paid with this card, not monthly options)
- Limit of one Amazon statement credit per account per year
- Amazon Prime credit posts 6-8 weeks after membership is purchased
- Eligible purchases exclude cash advances, balance transfers, gambling, convenience checks, and cash equivalents
- Eligible purchases exclude fees, interest, balance transfers, gambling, convenience checks, cash advances, gift cards, prepaid cards
- Amazon Prime benefit: annual membership only; not valid for Prime Monthly, Prime for Young Adults, or Prime Access
- Amazon Prime statement credit posts 6-8 weeks after membership is paid/charged to card
- Free Amazon Prime annual membership (statement credit, $139 value)
- Amazon Prime benefit limited to annual membership only; monthly options not eligible
- One Amazon statement credit per card per year
- Allow 6–8 weeks for Prime statement credit to post
- Free Amazon Prime annual membership statement credit ($139 value) — limit one credit per card per year
- Eligible purchases exclude cash advances, balance transfers, fees, gambling, convenience checks, and cash-equivalent gift cards
- Limit of one promotional offer per account at opening
- Account must be open and not in default at time points post
- Free Amazon Prime annual membership ($139 value) included; limit of one Amazon statement credit per card per year
- Up to $120 in statement credits for Global Entry or TSA Pre✓® charges every 4 years
- Amazon Prime annual membership statement credit only applies to annual Prime memberships; monthly/student options not eligible
- Allow 6-8 weeks for Prime statement credit to post
- Account must be open and not in default when bonus points post
- Eligible purchases exclude balance transfers, cash advances, gambling, convenience checks, and cash-equivalent transactions
- Free Amazon Prime annual membership credit (6–8 weeks to post); limit one per card per year
- Offer only valid for annual Prime memberships, not monthly payment options
- Free Amazon Prime annual membership ($139 value) included with offer — paid when cardholder charges membership to card and must be annual membership (not monthly or Prime Student)
- Amazon Prime credit limit: one statement credit per card per year; allow 6-8 weeks for credit to post
- Up to $120 statement credits for Global Entry or TSA PreCheck every 4 years
- Points valued at $0.01 each; 1 point = 1 cent when redeemed as cashback
- Limit of one promotional offer per card per year
- Amazon Prime credit is annual only (not recurring yearly); limit one credit per card per year
- Please allow 6-8 weeks after Prime membership purchase for statement credit to post
- Points worth 1 cent each
- Amazon Prime benefit is a $139 statement credit for annual membership renewal; allows 6-8 weeks for credit to post
- Offer valid for annual Amazon Prime membership only; not valid for monthly, Prime Student, Prime for Young Adults, or Prime Access
- Limit of one Amazon statement credit per card per year
- Points worth 1 cent each; 35,000 points = $350 value
- No foreign transaction fees
- $120 Global Entry or TSA PreCheck statement credit every 4 years
- Earn 3x points on travel, 2x on all other purchases
Offer expires January 2, 2027
Last updated July 3, 2026
Saved source PDFs
Jul 3, 2026
How to evaluate Navy Federal Flagship Rewards Bonus
Before applying, compare the welcome bonus against the annual fee, minimum spend, rewards currency, and issuer eligibility rules for repeat cardholders.
Qualification checklist
Timing
- Qualifying period
- Within 90 days of account opening
- Payout timeline
- Up to 8 weeks after the 90-day period
How to qualify
- Spend $3,500 in eligible purchases within 90 days of account opening
- Account must be open and in good standing when points post
- Spend $3,500 or more in eligible purchases within 90 days of account opening
- $3,500 in eligible purchases within 90 days of account opening
Common pitfalls
- New customers only
- Must be Navy Federal member (military, veterans, DoD personnel, or family)
- New cardholders only
- Must be Navy Federal Credit Union member or eligible to join
What makes this offer different
Bonus value versus similar offers
The sign-up bonus is below the current nearby $2,750 median, so the requirements and any referral or portal stack matter more.
Requirement clarity
Credolix has extracted 4 requirements for this offer, so compare the bonus against the actual steps rather than the headline payout alone.
Frequently Asked Questions
When does Navy Federal Flagship Rewards Bonus expire?
Navy Federal Flagship Rewards Bonus expires on January 2, 2027.
How long do I have to qualify for Navy Federal Flagship Rewards Bonus?
The qualifying period listed for Navy Federal Flagship Rewards Bonus is Within 90 days of account opening.
When does Navy Federal Flagship Rewards Bonus pay out?
The payout timeline listed for Navy Federal Flagship Rewards Bonus is Up to 8 weeks after the 90-day period.
