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 Bonus — Up to 35,000 Points
Sign up for Navy Federal Flagship Bonus and earn up to $350 in bonus rewards.
See all Navy Federal Credit Union offers →
Bonus Tiers
| Deposit | Bonus |
|---|---|
| $3,500 spend | 35,000 points |
Qualifying Period
Within 90 days of account opening
Payout
Up to 8 weeks after the 90-day period
Requirements
- ✓Spend $3,500 or more in eligible purchases within 90 days of account opening
- ✓Account must be open and in good standing at time bonus posts
- ✓Open a new Visa Signature® Flagship Rewards Credit Card account
- ✓Make $3,500 or more in eligible purchases within 90 days of account opening
- ✓$3,500 minimum spend within 90 days of account opening
- ✓Spend $3,500 in eligible purchases within 90 days of account opening
- ✓Account must be open and in good standing when points post
- ✓$3,500 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)
Restrictions
- ⚠New cardholders only
- ⚠Must be Navy Federal member
- ⚠Limit of one promotional offer at account opening
- ⚠New customers only
- ⚠Must be Navy Federal Credit Union member (military, veterans, and family members)
- ⚠New credit union members only
- ⚠Must be Navy Federal member (military, veterans, DoD, families)
- ⚠Must be Navy Federal Credit Union member
- ⚠Must be Navy Federal member (military, veterans, DoD personnel, or family)
- ⚠Must be Navy Federal Credit Union member or eligible to join
- ⚠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)
Fees
- $49 annual fee
- $49 annual fee for Visa Signature Flagship Rewards
- 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
- $0.50 per domestic ATM cash advance fee (non-NFCU ATM)
- $1.00 per foreign ATM cash advance fee
- Free Amazon Prime annual membership ($139 value) included
- Eligible purchases exclude fees, interest charges, balance transfers, gambling, convenience checks, cash advances, and cash equivalents
- 3 points per dollar on travel, 2 points per dollar on other purchases
- Eligible purchases are purchases for goods and services, minus returns and other credits
- Eligible purchases do not include fees, interest charges, balance transfers, gambling, convenience checks, cash advances, or other cash-equivalents
- Account must be open and not in default at the time the bonus posts to rewards balance
- Points are worth $0.01 each to redeem as cashback; other redemptions have the same value
- Amazon Prime membership is annual only, not valid for monthly/Prime Student
- Limit one promotional offer at account opening
- Account must remain open and in good standing when points post
- Free Amazon Prime annual membership included (annual value $139)
- Amazon Prime offer only valid for annual memberships, not monthly payment options
- Account must be open and not in default when bonus points post
- 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
Offer expires January 2, 2027
Last updated August 12, 2026
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Aug 12, 2026Change detected
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How to evaluate Navy Federal Flagship 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 or more in eligible purchases within 90 days of account opening
- Account must be open and in good standing at time bonus posts
- Open a new Visa Signature® Flagship Rewards Credit Card account
- Make $3,500 or more in eligible purchases within 90 days of account opening
Common pitfalls
- New cardholders only
- Must be Navy Federal member
- Limit of one promotional offer at account opening
- New customers only
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 Bonus expire?
Navy Federal Flagship Bonus expires on January 2, 2027.
How long do I have to qualify for Navy Federal Flagship Bonus?
The qualifying period listed for Navy Federal Flagship Bonus is Within 90 days of account opening.
When does Navy Federal Flagship Bonus pay out?
The payout timeline listed for Navy Federal Flagship Bonus is Up to 8 weeks after the 90-day period.
