Navy Federal Credit Union (NFCU) has sent out an e-mail to existing Flagship Rewards cardholders informing them that as of 11/2/26 a $95 annual fee will be added. Full e-mail as follows:
The following is a summary of changes we’re making to your account terms. For more detailed information, please refer to the Additional Information section of this notice.
You have the right to reject this change to your annual fee. However, if you reject this change, your account will be closed, and you won’t be able to use your account for new transactions. You can reject this change by calling us at 1-888-842-6328 before 11:59 pm, Eastern Time on November 1, 2026. You’ll still be responsible for making monthly payments until your balance is paid in full.
Revised Terms, as of November 2, 2026
Annual Fee $95
Earlier this month we posted a rumor that this card would be refreshed. One of the rumors was the addition of a $95 annual fee. It’s unclear if other benefits will remain the same for existing cardholders or if the other rumored changes will come in as well.
Not glad they have been merging. Never heard until now a credit union having an annual fee card.
Yeah I had it in my head this card had no AF for some reason
Ya screw the new benefits ill keep the card as is for the $44 discount on prime
Between my P1 & P2, both having two Amz accounts, we can usually cover every few months with Prime promos that are free or discount trials, conveniently happening around Prime Day & Black Friday. I will most likely not keep the card at $95, but I have until May to think about it.
eek, if that’s true, bye bye Navy Flagship.
For me, it’s the main reason to keep it – though now I am only plus $45. 😕
Yeah inflation off the charts, we about to get nerfed and feed into oblivion arent we
bigger news, upgrade offer has a mini-SUB Earn 10X points on travelGet up to 15,000 bonus points ($150 value) on qualifying travel purchases in your first 90 days
Technically NFCU did not add the fee. They increased it from $49 (reasonable) to $95, which is hard to justify, unless you were going to pay full price for Prime ($139) anyway.
Upgrade offer clarifies that you can keep existing card with Prime and 2x at $95 AF: https://www.navyfederal.org/loans-cards/credit-cards/flagship-upgrade.html
Site confirms Amazon Prime and 2% catch all remains if you don’t upgrade the card. No new benefits, but increased annual fee as of 11/2/2026, but if you already paid before that date, you won’t get the increased fee until the next renewal.
My email states that my fee goes up in November which coincides with my fee being due I would assume this is the same for the everyone
New updated card and benefits. https://www.navyfederal.org/loans-cards/credit-cards/flagship-premier-visa-signature.html
Anyone talked to navy and confirmed if existing customers are keeping the prime credit or not???
PenFed removed a way to waive the $95 fee on their existing card, which is functionally similar, but feels different
I got the email and have read the unofficial reports. But as of this writing, no changes in benefits or rewards earning appear on the NFCU website that I can find.
https://sadtrombone.com/
This link says the Amazon Prime benefit is being removed.
I don’t see a “New” Flagship page. It’s 4 AM on the 10th and the Flagship page still reads $49 annual fee. Do you have a link? I did get the email referenced here.
they must be copying PenFed they just added a 95 fee to their existing card
Honestly I prefer this to having the free Amazon Prime and 2% cash back taken away. Sounds like those will last at least another year.
reading it will be grandfathered in reddit, But if not I have no use of this CC https://upgradedpoints.com/news/navy-federal-flagship-premier-card-refresh/
The option is either to accept the $95 fee or cancel the credit card.
hoping there won’t be a forced PC into the new version
Do existing members get the new benefits?
Also note the new flagship page says prime yearly benefit is recurring. but also NFCU doesnt waive fee for any military.
it is not immediate. I think it takes effect only in 2027 for existing cardholders Annual Fee. We’re changing your annual fee amount. Your account currently has a $49 annual fee. When your annual fee is charged on Month DD, 2027, the fee will be $95.