Navy Federal has not announced anything, but several cardholders say credit
union representatives have walked them through a refresh of the Visa
Signature Flagship Travel Rewards card taking effect September 10, 2026.
Doctor of Credit and Danny the Deal Guru both reported the same set of
changes on September 2 and 3, drawn from those cardholder accounts. Treat the
details as unconfirmed until Navy Federal publishes them.
What is reportedly changing
The annual fee would rise from $49 to $95. Earning gets more top heavy:
travel goes from 3x to 4x points, dining from 2x to 3x, and
everything else falls from 2x to 1x.
On benefits, the $139 annual Amazon Prime membership credit would be
removed and replaced with a $100 annual airline statement credit. The
Global Entry or TSA PreCheck credit of up to $120 every four years and the
complimentary GigSky global data plan are both said to stay.
Why it matters
The Prime credit is the reason a lot of members carry this card. At $49 it
more than covered the fee on its own, so the card effectively paid for
itself. Swapping it for a $100 airline credit at a $95 fee narrows that
margin considerably, and the airline credit is far more restrictive than a
Prime membership almost everyone already buys.
The bigger change for everyday spending is the base rate. A flat 2x on all
purchases with no foreign transaction fee is what made the Flagship a
reasonable catch all card. At 1x, it only makes sense for members whose
spending is concentrated in travel and dining.
If the September 10 date holds, cardholders have about a week to decide
whether to use the current Prime credit before the terms change.