Rihanna showed off her new neck tattoo last night in NYC ... and one killer accessory!

The French tatt reads "Rebelle fleur," which translates to "rebel flower" -- and she proved just how rebellious she is by carrying a gun embellished bag from Vlieger & Vandam, which retails for $323.

RiRi's style is always right on target -- check out how you can get this look!