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Navy Federal Credit Union cash Rewards Plus vs Flagship Premier Visa Signature

Both are Navy Federal Credit Union cards. Here is every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Nov 11

Everything else

  1. cash Rewards Plus 2.0% 2% base rate
  2. Flagship Premier Visa Signature 1.0% 1x base rate

Dining

  1. Flagship Premier Visa Signature 3.0% 3x
  2. cash Rewards Plus 2.0% 2% base rate

Travel

  1. Flagship Premier Visa Signature 4.0% 4x
  2. cash Rewards Plus 2.0% 2% base rate

Ground transportation

  1. Flagship Premier Visa Signature 4.0% 4x
  2. cash Rewards Plus 2.0% 2% base rate

What the numbers are doing

The table is earn rate only — annual fees are not netted out of it. These cards charge cash Rewards Plus $0 and Flagship Premier Visa Signature $95 a year, so a thin lead in one category may not cover the difference.

Where they differ: cash Rewards Plus takes everything else; Flagship Premier Visa Signature takes dining, travel and ground transportation.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elsecash Rewards Plus2.0%
DiningFlagship Premier Visa Signature3.0%
TravelFlagship Premier Visa Signature4.0%
Ground transportationFlagship Premier Visa Signature4.0%

Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.

Every category, every card

Everything else

  1. cash Rewards Plus — 2.0%
  2. Flagship Premier Visa Signature — 1.0%

Dining

  1. Flagship Premier Visa Signature — 3.0%
  2. cash Rewards Plus — 2.0%

Travel

  1. Flagship Premier Visa Signature — 4.0%
  2. cash Rewards Plus — 2.0%

Ground transportation

  1. Flagship Premier Visa Signature — 4.0%
  2. cash Rewards Plus — 2.0%
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