Key Benefits

Pros

• +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)

• +5x on hotels booked direct and 4x on airlines - among highest travel earn rates
• +1:1 transfer partners including British Airways, Flying Blue, JetBlue, Virgin Atlantic
• +$50 annual airline credit covers most of the $95 fee
• +Comprehensive travel insurance (trip cancellation, lost luggage, CDW)
• +Cell phone protection up to $1,000 with $25 deductible

Cons

• −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

• −$95 annual fee (though offset by airline credit)
• −Fewer transfer partners than Chase or Amex
• −Must book hotels directly to earn 5x (not through OTAs)
• −No lounge access
• −Welcome offer requires $4,000 spend in 3 months

Key Benefits

Pros

• +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)

• +5x on hotels booked direct and 4x on airlines - among highest travel earn rates
• +1:1 transfer partners including British Airways, Flying Blue, JetBlue, Virgin Atlantic
• +$50 annual airline credit covers most of the $95 fee
• +Comprehensive travel insurance (trip cancellation, lost luggage, CDW)
• +Cell phone protection up to $1,000 with $25 deductible

Cons

• −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

• −$95 annual fee (though offset by airline credit)
• −Fewer transfer partners than Chase or Amex
• −Must book hotels directly to earn 5x (not through OTAs)
• −No lounge access
• −Welcome offer requires $4,000 spend in 3 months

Key Benefits

Pros

• +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)

• +5x on hotels booked direct and 4x on airlines - among highest travel earn rates
• +1:1 transfer partners including British Airways, Flying Blue, JetBlue, Virgin Atlantic
• +$50 annual airline credit covers most of the $95 fee
• +Comprehensive travel insurance (trip cancellation, lost luggage, CDW)
• +Cell phone protection up to $1,000 with $25 deductible

Cons

• −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

• −$95 annual fee (though offset by airline credit)
• −Fewer transfer partners than Chase or Amex
• −Must book hotels directly to earn 5x (not through OTAs)
• −No lounge access
• −Welcome offer requires $4,000 spend in 3 months