CardRewardsEditorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: May 2026.
$49
Annual Fee
35,000
points · Welcome Bonus
3X
Top Rate
Annual Fee
$49
Foreign Transaction Fee
$0
Network
Visa Signature
Rewards Currency
Navy Federal Credit Union Points
Credit Required
Excellent
35,000
points
$3,500
Spend Required
90 months
Time Period
Benefits & Perks
Reviews & Analysis
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$4.80
Annual Fee
-$49
Net Annual Value
-$44.20
Details & Terms
| Foreign Transaction Fee | $0 |
Media & Resources
| Source | Date | URL |
|---|---|---|
| — | — | View source |
$49
Annual Fee
35,000
points · Welcome Bonus
3X
Top Rate
Annual Fee
$49
Foreign Transaction Fee
$0
Network
Visa Signature
Rewards Currency
Navy Federal Credit Union Points
Credit Required
Excellent
35,000
points
$3,500
Spend Required
90 months
Time Period
Benefits & Perks
Reviews & Analysis
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$4.80
Annual Fee
-$49
Net Annual Value
-$44.20
Details & Terms
| Foreign Transaction Fee | $0 |
Media & Resources
| Source | Date | URL |
|---|---|---|
| — | — | View source |
$49
Annual Fee
35,000
points · Welcome Bonus
3X
Top Rate
Annual Fee
$49
Foreign Transaction Fee
$0
Network
Visa Signature
Rewards Currency
Navy Federal Credit Union Points
Credit Required
Excellent
35,000
points
$3,500
Spend Required
90 months
Time Period
Benefits & Perks
Reviews & Analysis
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$4.80
Annual Fee
-$49
Net Annual Value
-$44.20
Details & Terms
| Foreign Transaction Fee | $0 |
Media & Resources
| Source | Date | URL |
|---|---|---|
| — | — | View source |
Combined Protection Value
$6,350
Get reimbursed up to $2,000 per person when a trip is canceled or interrupted due to covered reasons like illness or severe weather.
With your Navy Federal Visa® or Mastercard®, you automatically have Collision Damage Waiver (CDW) coverage when you rent a car for 15 days or less ...
Get coverage for collision damage, theft, and loss-of-use when renting a car. Coverage type (primary vs secondary) varies by issuer.
Get an additional year of warranty protection on eligible electronics and appliances with original warranties of 3 years or less.
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
Get reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
Combined Protection Value
$6,350
Get reimbursed up to $2,000 per person when a trip is canceled or interrupted due to covered reasons like illness or severe weather.
With your Navy Federal Visa® or Mastercard®, you automatically have Collision Damage Waiver (CDW) coverage when you rent a car for 15 days or less ...
Get coverage for collision damage, theft, and loss-of-use when renting a car. Coverage type (primary vs secondary) varies by issuer.
Get an additional year of warranty protection on eligible electronics and appliances with original warranties of 3 years or less.
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
Get reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
Combined Protection Value
$6,350
Get reimbursed up to $2,000 per person when a trip is canceled or interrupted due to covered reasons like illness or severe weather.
With your Navy Federal Visa® or Mastercard®, you automatically have Collision Damage Waiver (CDW) coverage when you rent a car for 15 days or less ...
Get coverage for collision damage, theft, and loss-of-use when renting a car. Coverage type (primary vs secondary) varies by issuer.
Get an additional year of warranty protection on eligible electronics and appliances with original warranties of 3 years or less.
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
Get reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
Reimbursement up to $300 for meals and lodging after 12+ hour delay. Signature requires 12 hours vs Infinite's 6 hours.
Get reimbursed up to $300 for essential purchases like clothing and toiletries when checked baggage is delayed 4+ hours.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
It's help when you don't know where to turn. Count on a wide range of emergency services available whenever and wherever you need them, 24/7. This ...
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
You and your dependents are covered automatically for bodily injury and/or loss on a covered trip when you charge the entire common carrier fare to...
Reimbursement up to $300 for meals and lodging after 12+ hour delay. Signature requires 12 hours vs Infinite's 6 hours.
Get reimbursed up to $300 for essential purchases like clothing and toiletries when checked baggage is delayed 4+ hours.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
It's help when you don't know where to turn. Count on a wide range of emergency services available whenever and wherever you need them, 24/7. This ...
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
You and your dependents are covered automatically for bodily injury and/or loss on a covered trip when you charge the entire common carrier fare to...
Reimbursement up to $300 for meals and lodging after 12+ hour delay. Signature requires 12 hours vs Infinite's 6 hours.
Get reimbursed up to $300 for essential purchases like clothing and toiletries when checked baggage is delayed 4+ hours.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
It's help when you don't know where to turn. Count on a wide range of emergency services available whenever and wherever you need them, 24/7. This ...
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
You and your dependents are covered automatically for bodily injury and/or loss on a covered trip when you charge the entire common carrier fare to...
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
