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Bank of America Unlimited Cash Rewards Credit Card vs Navy Federal Flagship Rewards® Card

A detailed side-by-side comparison to help you choose the right card for your spending.

Bank of America Unlimited Cash Rewards Credit Card

Bank of America

Navy Federal Flagship Rewards® Card

Navy Federal

Annual Fee

Welcome Bonus

—

250 Cash

Base Earn Rate

—

Top Earn Categories

1.5X All Purchases Ongoing

3X Travel

Network

VISA

Key Benefits

None

✓Travel insurance

✓Purchase protection

Pros

Explore More

Bank of America Unlimited Cash Rewards Credit Card — Full Review All Bank of America Cards

Navy Federal Flagship Rewards® Card — Full Review All Navy Federal Cards

Browse all comparisons →Browse all card categories →

Bank of America Unlimited Cash Rewards Credit Card vs Navy Federal Flagship Rewards® Card

A detailed side-by-side comparison to help you choose the right card for your spending.

Bank of America Unlimited Cash Rewards Credit Card

Bank of America

Navy Federal Flagship Rewards® Card

Navy Federal

Annual Fee

Welcome Bonus

—

250 Cash

Base Earn Rate

—

Top Earn Categories

1.5X All Purchases Ongoing

3X Travel

Network

VISA

Key Benefits

None

✓Travel insurance

✓Purchase protection

Pros

Explore More

Bank of America Unlimited Cash Rewards Credit Card — Full Review All Bank of America Cards

Navy Federal Flagship Rewards® Card — Full Review All Navy Federal Cards

Browse all comparisons →Browse all card categories →

Bank of America Unlimited Cash Rewards Credit Card vs Navy Federal Flagship Rewards® Card

A detailed side-by-side comparison to help you choose the right card for your spending.

Bank of America Unlimited Cash Rewards Credit Card

Bank of America

Navy Federal Flagship Rewards® Card

Navy Federal

Annual Fee

Welcome Bonus

—

250 Cash

Base Earn Rate

—

Top Earn Categories

1.5X All Purchases Ongoing

3X Travel

Network

VISA

Key Benefits

None

✓Travel insurance

✓Purchase protection

Pros

Explore More

Bank of America Unlimited Cash Rewards Credit Card — Full Review All Bank of America Cards

Navy Federal Flagship Rewards® Card — Full Review All Navy Federal Cards

Browse all comparisons →Browse all card categories →

+2% cash back for first year, then 1.5% unlimited
+No annual fee
+$200 welcome bonus after $1,000 spend
+0% intro APR for 15 months on purchases and balance transfers
+No category tracking required

+No annual fee
+No foreign transaction fee
+3X rewards on all travel purchases (flights, hotels, car rentals, travel agencies)
+2X rewards on all other purchases (strong baseline rate)
+Visa Signature tier benefits (travel protections, extended warranty)

Cons

−3% foreign transaction fee
−Rate drops to 1.5% after first year
−Lower earning rate than category-specific cards in bonus areas
−No premium perks or travel benefits

−Limited to Navy Federal membership eligibility (military, DoD, family members)
−No airline lounge access or premium travel credits
−Fewer perks compared to premium cards from major issuers

+2% cash back for first year, then 1.5% unlimited
+No annual fee
+$200 welcome bonus after $1,000 spend
+0% intro APR for 15 months on purchases and balance transfers
+No category tracking required

+No annual fee
+No foreign transaction fee
+3X rewards on all travel purchases (flights, hotels, car rentals, travel agencies)
+2X rewards on all other purchases (strong baseline rate)
+Visa Signature tier benefits (travel protections, extended warranty)

Cons

−3% foreign transaction fee
−Rate drops to 1.5% after first year
−Lower earning rate than category-specific cards in bonus areas
−No premium perks or travel benefits

−Limited to Navy Federal membership eligibility (military, DoD, family members)
−No airline lounge access or premium travel credits
−Fewer perks compared to premium cards from major issuers

+2% cash back for first year, then 1.5% unlimited
+No annual fee
+$200 welcome bonus after $1,000 spend
+0% intro APR for 15 months on purchases and balance transfers
+No category tracking required

+No annual fee
+No foreign transaction fee
+3X rewards on all travel purchases (flights, hotels, car rentals, travel agencies)
+2X rewards on all other purchases (strong baseline rate)
+Visa Signature tier benefits (travel protections, extended warranty)

Cons

−3% foreign transaction fee
−Rate drops to 1.5% after first year
−Lower earning rate than category-specific cards in bonus areas
−No premium perks or travel benefits

−Limited to Navy Federal membership eligibility (military, DoD, family members)
−No airline lounge access or premium travel credits
−Fewer perks compared to premium cards from major issuers