Below are 20 Dollar Tree items worth adding to your shopping list. Note that prices and availability may vary by location and are subject to change.

Dollar Tree's Warm White 40W LED Light Bulbs come 2 to a pack for $1.25, working out to about 63 cents per bulb. Walmart's GE Incandescent 40 Watt Soft White bulb runs $3.33 per single bulb — over 5 times the cost.

It’s also worth noting that Dollar Tree's bulbs use LED technology built to match 40W brightness while using far less energy and lasting many times longer, whereas Walmart's is a normal incandescent bulb. So beyond the steep price gap, Dollar Tree also wins on long-term energy savings and bulb life, even though the two aren't identical technology.

Dollar Tree's Coconut Shea Butter Body Wash ($1.25) draws enthusiastic reviews. One shopper called it "a luxury for one dollar," raving about the rich color and coconut scent, while another confirmed it "leaves my skin smooth and moisturized."

That beats Walmart's Softsoap Exfoliating Coconut Butter Body Wash ($4.97) on price by 75%, even though Softsoap fans similarly praise its soft, smooth results and rich lather.

Dollar Tree sells LA's Totally Awesome Fresh Scent Bleach, which comes in a 64 oz bottle for $1.25, working out to about 2 cents per ounce. Walmart's Great Value Low Splash Bleach runs $3.12 for 43 oz, or roughly 7 cents per ounce — over 3 times the cost. Dollar Tree shoppers praise the LA’s Totally Awesome brand for its good value and pleasant scent, though some say it’s weaker than other store brands.

You can get 8 of Dollar Tree's Corazzi Super Value Scouring Sponges for $1.25, which is about 16 cents per sponge. On the other hand, Walmart's Great Value Heavy Duty Scrub Sponges cost $2.18 for just 4, or roughly 55 cents each — more than 3 times the Dollar Tree price.

Dollar Tree shoppers back up the quality, too, with one noting the sponge "does not smell when rinsed after each use" and praising the abrasive side, while another says the sponge side "works so well and doesn't mold."

At $1.25, Dollar Tree's Greenbrier Kennel Club Dog Leash costs roughly a third of what Walmart charges for its PetSafe Nylon Dog Leash, priced at $3.99. That saves you around 69%.

Dollar Tree's 2.50 Diopter Wide Frame Reading Glasses ring up at $1.25. Walmart’s cheapest options aren’t even close. A Cagogo Blue Light Blocking pair runs $3.99, while Equate's Lily Rectangle Readers, at $5.97, cost more than 4.5 times what Dollar Tree charges. Dollar Tree’s glasses aren’t just cheap, though. Customers give them good reviews as well.

At 3 cents a wipe, Dollar Tree's Disinfex Disinfecting Wipes are the clear budget winner. A 40-pack runs $1.25, less than half of what Walmart charges. Walmart’s Great Value Fresh Scent Disinfecting Wipes come in at $2.62 for 35 wipes, closer to 7.5 cents apiece.

Dollar Tree delivers name-brand deodorant and sensitive-skin bar soap at less than half the per-ounce cost of either Walmart option. The Zest Fresh Aqua 2-pack (4.1 oz bars) and Irish Spring Original 2-pack (3.2 oz bars) both run $1.25, working out to roughly 17-20 cents per ounce.

Walmart's Dial Advanced Clean Gold bar costs $1.50 for a single 4 oz bar, about 38 cents per ounce. And a bar of Dove's Sensitive Skin soap at Walmart runs $1.50 for just 2.6 oz, nearly 58 cents per ounce.

Dollar Tree's Special Moments Wooden Photo Frame holds its own against Walmart's pricier option, even at matching 8x10 sizes. At $1.25, it undercuts Walmart's Mainstays 8x10 Front Loading Frame, which runs $2.47 at regular price. Plus, Dollar Tree offers the opportunity to get a frame with a wooden finish for a low price, while Walmart does not.

Dollar Tree's Breckenridge Farms Hamburger Dill Pickle Chips give you a 17 oz jar for just $1.25 — about 7 cents an ounce. Walmart's Great Value version, at 16 oz for $2.24, runs closer to 14 cents an ounce, nearly double the cost despite offering less. Shoppers rate Walmart’s Great Value pickles at 4.6/5, but Dollar Tree’s shoppers are just as impressed, with customers saying leaving reviews like “best pickles ever” and “my all time favorite pickles.”

The Home Collection Kitchen Towel from Dollar Tree runs $1.25 for a single 100% cotton towel. Walmart's cheapest comparable single towel, the Mainstays Sculpted-Rib Weave Kitchen Towel, currently sells for $2.27, nearly double the price for essentially the same basic function: absorbent, machine-washable cotton for drying dishes and wiping counters. Plus, the two towels both receive good reviews from customers, though Walmart does have a lot more reviews to pull from.

A box of 100 All Natural Black Tea Bags from Dollar Tree costs just $1.25. The product holds a strong 4.8-star rating, with one reviewer praising the "great natural flavor and strength" that brews in under a minute.

That’s 44% cheaper than Walmart's Great Value Black Tea Bags, which cost $2.24 for 100-count.

Dollar Tree’s Cooking Concepts Everyday Aluminum Foil comes in a 40-square-foot roll for $1.75, working out to about 4.4 cents per square foot. Walmart’s Great Value Aluminum Foil, a 25-square-foot roll, costs $1.82 — almost the identical sticker price, but for 15 fewer square feet, pushing the cost up to roughly 7.3 cents per square foot.

Walmart’s foil receives better reviews overall, but the roughly 40% savings make Dollar Tree’s offer come out on top.

Dollar Tree's 9" Uncoated White Paper Plates come 40 to a pack for $1.25, beating Walmart's Way to Celebrate White Paper Plates (20 for $1.00) by a wide margin. Dollar Tree delivers roughly 37% more plates per dollar, and though its plates aren’t rated as highly by customers as Walmart’s, they’re still plenty serviceable for a disposable item.

Dollar Tree's Hershey's Milk Chocolate Kisses come in a 2.5 oz bag for $1.25, working out to 50 cents per ounce. Walmart's larger 4.84 oz bag runs $3.54, or about 73 cents per ounce. It’s the same exact candy, but Dollar Tree delivers it roughly 32% cheaper per ounce.

Twenty-four pencils, 5 cents apiece: that's the math on Dollar Tree's JOT Real Wood 2HB pencils at $1.25 a pack. Walmart's Pen+Gear equivalent normally sells for $1.82, pushing the per-pencil cost closer to 8 cents. Occasional rollbacks might flip the advantage to Walmart from time to time, though.

Dollar Tree’s Alka 65 Alkaline Water (1.5L) rings up at $1.25 — beating Walmart's cheapest equivalent, Great Value Hydrate Alkaline Water (1.5L) at $1.82, by about 31%. Both products list similar electrolyte-enhanced, 9.5+ pH formulas, so you're not sacrificing specs for the savings.

The gap widens dramatically against Walmart's premium alkaline options: Waiakea Hawaiian Volcanic (1.5L) runs $6.52 — over 5x the Dollar Tree price — while Fiji Natural Artesian commands an even steeper premium for "natural" branding rather than functional difference. For everyday hydration needs, Dollar Tree delivers the same basic benefit (alkaline water with electrolytes) at a fraction of the cost, making the pricier Walmart bottles a premium-brand tax rather than a meaningful upgrade.

Dollar Tree's Assured Twin Blade Disposable Razors come 10 to a pack for $1.25, working out to about 12.5 cents per razor. Dollar Tree shoppers praise their quality — one calls them "some of the best twin blades I've shaved with.”

Walmart's Equate 2 Blade Disposable Razors run $1.96 for 12, or roughly 16 cents per razor. Dollar Tree comes out about 24% cheaper per razor while delivering comparable everyday performance.

Dollar Tree's Curad Plastic Strip Bandages cost $1.25 for a 60-pack, beating the cheapest Walmart options on price while matching their quality. One reviewer called them excellent, noting they stay on through handwashing, while another claimed they’re better than any other brand.

The $1.25 price undercuts a 60-count of Equate Antibacterial Medium Plastic Bandages, which will cost you $1.38 at Walmart, and it crushes the Band-Aid Comfort Flex Family Pack at $2.97.

Dollar Tree's Chewy Chocolate Chip Granola Bars come 6 to a pack for $1.25, edging out Walmart's Great Value Chocolate Chip Chewy Granola Bars at 10 for $2.18. That works out to about 21 cents per bar from Dollar Tree versus 22 cents per bar at Walmart. Plus, Dollar Tree’s bars are a little bigger, at 0.88 oz each compared to 0.84 oz for Walmart’s.

As you can see, Dollar Tree provides a surprising number of deals that will save you a significant amount of money compared to Walmart. In some cases, shopping at Walmart might cost you 2 to 5 times as much for an equivalent item, and the quality won’t even necessarily be any better.

The next time you’re in a Dollar Tree, pay special attention to food items, cleaning supplies, and personal hygiene products, as those are some of the categories where you can find the best offers. Browsing the whole store can also reveal big savings on odd items like dog leashes or reading glasses.

The bottom line is that smart shopping sometimes requires broadening your horizons or ignoring preconceived notions. Dollar Tree is worth a look before your next Walmart run.

See 2026 Best Miles Credit Cards

Just like there are different types of credit card rewards, there are also different types of credit card miles. For example, your miles credit card may be tied to a certain airline and give you miles in that airline’s loyalty program. Or, it may give you general miles you can use for any travel.

Many miles credit cards (of all types) will give you an initial bonus of thousands of miles for spending a certain amount in the first few months your account is open. And you should expect at least 1 mile per $1 spent on all purchases, sometimes with bonus miles in certain categories.

Keep reading to learn more about how credit card miles work and how you can earn more of them, faster.

Credit card miles come in three varieties: flexible miles that can be used for any travel, miles tied to a specific airline, and miles that are worth most when redeemed through a credit card company’s online travel booking portal. That last type of arrangement is actually more common with credit card points than credit card miles, but there are some miles cards that require it.

Most major airlines, like American Airlines, Delta and Southwest, have their own miles credit cards. So when you earn rewards with a Delta credit card, for example, you’re getting SkyMiles, the currency of Delta’s loyalty program.

If you’re not a frequent customer of any one airline, a general miles card will serve you better.

There are many great miles credit cards available right now. WalletHub’s editors compared them and picked the most rewarding options for different types of applicants. Most are designed for people with at least good or excellent credit.

WINNERCapital One Venture Rewards Credit Card	Lufthansa Credit Card	Frontier Airlines Credit Card
4.5WalletHub Rating WalletHub Rating 4.5 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 5.0 User Reviews 3.8 Market Comparison 4.4 fees: 2.9 rewards: 4.8 cost: 5.0 Other Features: 0.0	2.8WalletHub Rating WalletHub Rating 2.8 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Lower Cost of Existing Debt." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 4.5 User Reviews 3.6 Market Comparison 2.5 fees: 0.0 cost: 2.0 APR: 3.4	3.8WalletHub Rating WalletHub Rating 3.8 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Airline Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 3.8 User Reviews 3.4 Market Comparison 3.8 fees: 2.9 rewards: 4.1 cost: 4.2 Other Features: 0.0
(2,758)	(154)	(209)
annual fee$95	annual fee$89	annual fee$99
rewards rate Earn unlimited 2X miles on every purchase, every day Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel 2 - 5 miles / $1	rewards rate Earn 2 award miles per $1 spent on ticket purchases directly from Miles & More integrated airline partners and 1 award mile per $1 on all other purchases. 1 - 2 miles / $1	rewards rate Earn 5 miles for every $1 of Frontier Airlines net purchases, on tickets, goods and services purchased directly from Frontier Airlines. Earn 3 miles for every $1 of net purchases spent at restaurants (categorized as: Restaurants, Bars and Fast Food Restaurants). Earn 1 mile for every $1 of net purchases made everywhere else. Keep miles from expiring by making at least one purchase every 12 months. 1 - 5 miles / $1
bonus offer LIMITED-TIME OFFER: Enjoy $300 to use on hotel and vacation rental bookings through Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening – that’s more than $1,000 in travel value Earn $1,000+ Towards Travel	bonus offer 70,000 miles	bonus offer 60,000 miles
Purchase Intro APRN/A	Purchase Intro APRN/A	Purchase Intro APRN/A
transfer intro aprN/A	transfer intro apr0% for 15 months Transfer Fee: 5% (min $5)	transfer intro apr0% for 15 months Transfer Fee: 5% (min $5)
Regular APR19.49% - 28.49% (V)	Regular APR19.49% - 29.49% (V)	Regular APR19.49% - 29.49% (V)
SponsoredApply Now Rates & Fees SponsoredApply Now Rates & Fees Learn More	Learn More SponsoredApply Now Learn More	Learn More SponsoredApply Now Learn More

• Initial bonus: Your card may offer you a lump sum of miles for spending a certain amount of money in a certain number of months. For example, you might get 50,000 miles for spending $3,000 in your first 3 months.
• Making purchases: Miles cards will typically give you at least 1 mile for every $1 on all purchases. But some will have a higher earning rate on everything. And others will give bonus points only on certain categories of spending. For example, you could get 3 miles per $1 on travel and 1 per $1 on other purchases.
• Yearly spending: This is similar to an initial bonus but not limited to the first year. Your card might give you a lump sum of miles for spending a certain amount in any given year.
• Referring a friend: If a friend applies for the card you have using your referral link and is approved, your issuer might give you miles as a reward.
• Account anniversary: You might be able to get extra miles just for keeping your card open for another year.

You shouldn’t necessarily expect any miles you earn to show up in your accounts immediately. In some cases, it can take the issuer up to two months to put them in your account. Once you do get your miles, though, you can redeem them for travel and more.

Every issuer handles credit card miles redemption in their own way. But for the most part, what you’ll have to do is log in to your online account or to a separate rewards portal run by your issuer. You can then choose what to redeem your points for and how many you’d like to spend. People with miles cards tend to spend their miles on travel most often, but there are usually options to get gift cards, cash back, statement credits or even things like charity donations. But there are a few things you should know before redeeming.

Here’s how to redeem credit card miles:

1. Compare redemption rates. Though you may have many options for spending your miles, they won’t necessarily all be worth the same. For example, you might be able to book travel for one cent per point but get cash back for only half a cent per point.
2. Be mindful of minimums. It’s possible your issuer might require a certain minimum number of miles to book a reward. Or, they might require you to redeem your miles in certain increments (e.g. 1,000 miles).
3. Check for blackouts. Typically, issuers won’t limit when you can use your reward miles to travel, but some may. And while general miles cards will let you use your miles on any airline, co-branded cards may give you miles in a specific airline’s loyalty program. In the latter case, you’ll only be able to use your miles for that airline or other airlines in its airline alliance. The three major airline alliances are Star Alliance, Oneworld and SkyTeam.
4. Be aware of expiration. Depending on what card you have, your miles might expire after not being redeemed for a certain amount of time. Or, they might expire if you don’t use your card for an extended period. On most cards, though, points won’t expire as long as the account stays open.

Credit card miles are very similar to points in that both are a non-monetary currency used by credit card issuers. And miles and points can generally be used for the same things. While miles are associated more with airlines and points more with hotels, you can still usually redeem miles for hotel reservations or points for airfare. Together, points and miles cards make up the travel credit card category.

Cash back credit cards just return some of what you spend, hence the name. They’re more flexible because you can use cash for everything, not just a list of options that your issuer gives you. But cash back cards tend to reward everyday spending more than travel spending. If you travel often, you’ll likely get the most value from a credit card with miles or points.

• National average for August 2026: $4.19 per gallon
• Change from August 2025: 28.67% up

1. Gas Prices by Year
2. Gas Prices by Month
3. Raw Data

• 2012 had the highest gas price when adjusted for inflation. In 2025, gas was $1.97 below its highest price point.

View Raw Data

View Raw Data

Savings accounts are a personal finance staple, along with checking accounts, with approximately 94% of Americans holding a checking, savings, or money market account. Common types of savings accounts include traditional savings accounts, money market accounts, and certificates of deposit (CDs). These accounts help individuals save money securely while earning interest. Unlike checking accounts, savings accounts are designed for longer-term savings and not for daily transactions.

1. Average Savings Account Interest Rate
2. Average Savings Account Balance
3. Average Savings by Age
4. Average Savings by Income Level
5. Average Savings by Education Level
6. Average Savings by Race
7. Personal Saving Rates
8. Percentage of Adults with Emergency Savings
9. Bank Account Ownership Over Time

The average interest rate for savings accounts was 5.87 times higher in Q2 2026 than it was in Q2 2016, reflecting the impact of Fed rate hikes.

Source: WalletHub, 2026

Learn more about savings account interest rates.

The average savings account balance increased by approximately 234% from 1989 to 2022.

Source: Survey of Consumer Finances, Federal Reserve Board, 2023 

The average savings account balance increased across all age groups from 1989 to 2022, with the largest percentage growth observed in the 45-54 age group (435%).

Source: Survey of Consumer Finances, Federal Reserve Board, 2023 

The average savings account balance for the highest income bracket was approximately 47 times larger than that of the lowest income bracket in 2022.

Source: Survey of Consumer Finances, Federal Reserve Board, 2023 

Average savings account balances for individuals with a college degree rose by 215% from 1989 to 2022, marking the largest increase among all groups.

Source: Survey of Consumer Finances, Federal Reserve Board, 2023 

White households have nearly 8 times more in savings than Black households, on average.

Source: Survey of Consumer Finances, Federal Reserve Board, 2023 

Personal saving as a percentage of disposable personal income, often referred to as the personal saving rate, decreased by 41.18% in July 2026 compared to July 2016.

Source: Federal Reserve, 2026

The percentage of people with emergency savings to cover 3-months of expenses saw a 17.02% increase from its lowest point in 2015 to 2025.

Source: Survey of Household Economics and Decisionmaking, Federal Reserve Board, 2026

The percentage of adults able to cover a $400 emergency expense increased by 26% from its lowest point in 2013 to 2025.

Source: Survey of Household Economics and Decision making, Federal Reserve Board, 2026

From 2015 to 2025, 92% to 94% of U.S. adults had a checking, savings, or money market account, showing stable ownership of bank accounts.

Source: Survey of Household Economics and Decision making, Federal Reserve Board, 2026 

Navy Federal Flagship Premier Visa Signature® credit card

Navy Federal Flagship Premier Visa Signature® credit card

0 out of 5 rating

Learn More

Regular APR

15.74% - 18% (V)

Annual Fee

$95

Rewards Rate

i

• Earn 4X points for every $1 you spend on travel, 3X points on dining and 1X point on everything else.

1 - 4 points / $1

Bonus Offer

i

You can earn 50k bonus points when you spend $4,000 within the first 90 days of opening. Offer valid for accounts applied for between 9/1/26 - 1/3/27.

50,000 points

Credit Score

Good

More Details

Rewards Details

• You can earn 50k bonus points when you spend $4,000 within the first 90 days of opening. Offer valid for accounts applied for between 9/1/26 - 1/3/27.
• Earn 4X points for every $1 you spend on travel, 3X points on dining and 1X point on everything else.
• Receive statement credits (up to $120) for Global Entry or TSA Precheck.
• Receive a $100 statement credit each year after you spend a total of $100 or more on eligible airline purchases.
• Points can be redeemed for cash, travel, gift cards, and more.
• No cap on the rewards you can earn. Rewards don't expire as long as the account is open.

Additional Info

• More Details & Reviews About Navy Federal Flagship Premier Visa Signature® credit card

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The Navy Federal Flagship Premier Visa Signature® credit card is one of the best credit cards for travel and dining rewards on the market. It offers very high reward rates in those two categories, plus an initial bonus worth $500, a $100 annual airline credit, and other perks in return for an annual fee of just $95.

It’s easily worth the cost for even modest spenders, as long as you pay the bill in full every month. This card does not have a low enough interest rate to make financing appealing.

The Navy Federal Flagship Premier Visa Signature® credit card gives new cardholders an initial bonus of 50,000 points for spending $4,000 within the first 90 days (offer valid between 9/1/26 - 1/3/27). That’s a lot bigger than average, according to WalletHub research. The average initial bonus offer among the 1,500+ credit cards in WalletHub’s database is just 35,720 points.

The value is good, too. You don’t have to worry about NFCU pulling a fast one and offering a lot of points worth only a little. The bonus points are worth $500 in travel, gift cards, statement credits, etc. This holds up well against some of the best rewards cards available right now.

Most credit cards give 1 point or mile per $1 spent on travel, and some of the best offer 2+ points/miles per $1. The Navy Federal Flagship Premier Visa Signature® credit card takes things to another level, offering a whopping 4 points per $1 spent on:

• Airfare
• Hotels
• Rental cars
• Buses
• Taxis
• Cruises
• Time shares
• Parking
• Transit

If you regularly spend a lot of money on any of these things, using the NFCU Flagship Premier Card could be a good way to fight back against high prices.

You don’t even need to worry about hitting any earning limits, other than your overall credit limit, as this card’s bonus categories aren’t capped. With some other cards offering rewards this good, you can only earn the maximum reward rate on a certain amount of spending each month, quarter or year.

Foodies should love Flagship Premier. It rewards you at three times the standard rate when you make purchases from restaurants, including everything from fast food to Michelin-starred establishments. Just be careful with restaurants located inside another business, as the transaction might not be coded as a dining purchase in that case.

This credit applies to purchases from airlines and air carriers. Once you cross the $100 threshold for the year, you’ll receive a statement credit within 6-8 weeks. If you spend at least $100 through an airline each year, this more than covers the cost of the annual fee, allowing the card’s normal rewards to provide pure savings.

Just note that while this is an annual benefit, unused credits don’t carry over year to year. Also, purchases from third-party travel booking sites probably won’t count.

You can get a credit of up to $120 every four years to cover the application fee for Global Entry or TSA PreCheck if you charge it to the NFCU Flagship Premier Card. A lot of cards offer this benefit these days, but it’s still quite helpful if you fly a lot. You could save a lot of time waiting in line for airport screening.

This saves you up to 3% on every purchase you make while you’re out of the country or just shopping online from foreign merchants. That can add up to a ton for frequent travelers or shoppers. When you combine that with the money you save via Visa’s favorable exchange rates, you’re looking at saving up to 9% compared to exchanging hard currency.

Some cards charge balance transfer fees as high as 5% of the amount transferred. Based on this alone, the NFCU Flagship Premier Card isn’t a bad option – especially if you think you might need to do lots of transfers over a fairly long period of time. However, it’s less appealing when you bring interest rates into the equation.

If you do a cash advance at a Navy Federal ATM, there’s no fee. That saves you several bucks per transaction compared to other cards. Plus, withdrawals at ATMs owned by other banks and credit unions will only cost you $0.50 each. Still, don’t forget that interest will begin accruing immediately when you get a cash advance. It’s best to avoid this type of transaction if you can help it.

Navy Federal Credit Union never had a metal credit card before Flagship Premier. That just goes to show how highly they think of this offer.

You shouldn’t let a card’s material influence your decision too much. It’s better to focus on the features that may save or cost you money. But if you need a tiebreaker, this is a pretty flashy one.

The card’s bonus rewards get most of the attention, and rightfully so, but there’s more to the Flagship Premier show than that. Other types of purchases get you rewards, too. In fact, you’ll earn 1 point per $1 spent on all eligible purchases that don’t qualify for the travel and dining bonuses.

This minimum reward rate isn’t particularly impressive, considering that the average rewards card gives 1.2 points per $1 and some cards give at least 1.5% to 2% back. But the points could add up to a fair amount over time.

If you don’t feel like giving up ground to the market average or elite offers, you could simply use this card for bonus-category purchases and get a card with a higher base earn rate for other expenses.

While other issuers are discontinuing popular credit card offers and stripping others of benefits, NFCU launched a new card that’s chock-full of perks. If you get this card, you’ll have access to:

• Travel accident insurance
• Lost luggage reimbursement
• Rental car insurance
• Purchase protection
• Concierge service
• GigSky Global Mobile Data
• Access to the Visa Signature Luxury Hotel Collection
• Visa Signature Golf Benefit by Troon
• Special rental car offers from Avis and Budget
• Roadside Dispatch®
• Travel and emergency services
• Fraud monitoring

You also get standard credit card benefits like a $0 fraud liability guarantee.

The average annual fee among the 1,500+ credit card offers that WalletHub tracks is just $29.67, so getting the NFCU Premier Card requires a bit more of an investment. That said, the card is significantly more rewarding than average, so this investment can certainly pay off with savings above and beyond what you spend on the fee.

Light spenders might want to look elsewhere given the fixed cost, but it shouldn’t bother those looking for a card for regular use.

The exact rate you’re assigned depends on factors like your credit history, income and existing financial obligations. It’s likely to be lower than average for everyone but those with excellent credit, but that still doesn’t make it cheap or worth exposing much of a balance to.

Credit card rates are very high in general. According to WalletHub research, the average APR among new credit card offers is 22.18% overall, while cards that require excellent credit charge 17.09% on average.

Since those rates all exceed what the Flagship Premier Card gives you in rewards, avoiding interest charges is the key to saving money with this card. You can avoid interest charges completely by paying the full balance listed on each of your monthly statements by the due date.

For starters, you need to meet the Navy Federal Credit Union eligibility requirements. That’s going to be difficult if you’re not in the military community or a relative of someone who qualifies.

On top of that, you need to qualify for the card itself, which requires good credit and enough disposable income to afford the monthly bill payments. You can check your credit score here on WalletHub to get a sense of your chances.

This card is worth the $95 annual fee if you spend:

• $100 on airfare each year
• $4,000 in the first 90 days your account is open (the initial bonus covers the fee for several years)
• $2,375+ on travel each year
• $3,167+ on dining each year
• $9,500+ on other types of purchases each year

Doing any of these things is enough to make the card pay off. You also need to pay your bill in full every month.

Even though the NFCU Flagship Premier Card’s APR is lower than average, it’s still a lot higher than the card’s reward rates. So if you let interest charges enter the equation, you might not save any money with this card at the end of the day.

You should apply for the NFCU Flagship Premier Card if your credit score is 700 or higher, you’re already an NFCU member or you meet the eligibility requirements, and you plan to use the card mainly for travel and dining. As long as you spend around $2,400 to $3,200 per year in the bonus categories and avoid interest charges, having this card should pay off.