Navy Federal Flagship Premier Visa Signature

The Flagship Premier is Navy Federal's first metal card and its most travel-focused one, sitting above the older Flagship Rewards at the same $95 annual fee both cards now carry. It earns 4x on travel and 3x on dining, and the $100 annual airline credit covers the fee outright if you put at least $100 of airline spend on the card in a year. A Global Entry or TSA PreCheck credit of up to $120 every 4 years, rental car collision coverage, travel accident insurance and no foreign transaction fee make it a genuinely capable travel card for the price. The tradeoff is the floor: everything outside travel and dining earns 1x, down from the flat 2x that made Flagship Rewards worth using on ordinary spend, so this is the better card only if travel and dining dominate your budget. There is no lounge access and no hotel or airline status, and membership is limited to the military community, so it competes on value rather than on premium perks.