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Navy Federal More Rewards American Express® Card card

Navy Federal More Rewards American Express® Card

By the Best Credit Cards Guide editorial team · Information from the original card page, updated May 28, 2025

Annual fee
None
Recommended credit
Excellent / Good / Fair
Card network
American Express
Regular purchase APR
14.65% to 18.00% variable based on creditworthiness and the Prime Rate
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Check before you apply: the rates, fees and offers on this page are as listed on the original card page (updated May 28, 2025) and may have changed. Confirm current terms on the issuer’s website. Best Credit Cards Guide may be compensated by some issuers; see our Advertiser Disclosure.

At a glance

The Navy Federal More Rewards American Express® Card is an everyday rewards card from Navy Federal Credit Union. The card earns 3x points on gas station and grocery purchases, 2X points at restaurants, and 1X points for all their purchases. New account holders also receive 25,000 bonus points when they spend $3,000 on purchases in the first 90 days. The card has no annual fee and no foreign transaction fees.

Our review of the Navy Federal More Rewards American Express® Card

Looking for a rewarding credit card option? Check out the Navy Federal More Rewards American Express® Card. This card, offered by Navy Federal Credit Union, lets you earn points on your everyday purchases. You’ll earn triple points at supermarkets and gas stations, double points at restaurants, and single points on all other purchases. Plus, new account holders can score a generous 25,000 bonus points when they spend $3,000 within the first 90 days.

The rewards you earn with the More Rewards program can be used for travel, cash back, gift cards, and merchandise. With the initial bonus offer valued at around $250, each rewards point is worth $.01.

But that’s not all – cardholders also have access to exclusive member deals, where they can earn bonus points for shopping online with select retailers like Staples, Apple, Walmart, and Best Buy. Earn up to 15X points (or 15% cashback) for every dollar spent.

With competitive purchase and balance transfer APRs, no foreign transaction fees, no annual fees, and no fees for cash advances or balance transfers, the Navy Federal More Rewards American Express Card is a solid choice for those with exceptional credit.

Overall, the More Rewards Amex is a great option for Navy personnel and their families looking to earn rewards on everyday purchases. The impressive sign-up bonus and generous points-earning potential make it a card worth considering. Apply for the NavyFed More Rewards AMEX Card today!

Explore more card offers from Navy Fed and find the perfect fit for your financial needs.

Card features

Benefits as listed on the original card page. They can change; confirm details with the issuer.

  • Earn 25,000 points (a $250 value) when you spend $3,000 within 90 days of opening an account
  • A great choice for everyday spending and grocery shopping
  • No annual fee
  • No foreign transaction fees
  • Enjoy 0% APR on purchases for 12 months

Who this card may suit

  • You're a member of Navy Federal Credit Union
  • You don’t want to pay an annual fee
  • You want to earn rewards on everyday purchases
  • You plan on making at least $3,000 in purchases within the first three months

Rates, fees and terms

Rates, fees and terms as listed on the original card page (updated May 28, 2025). Confirm current terms on the issuer’s site.
Annual FeeNone
Regular Purchase APR14.65% to 18.00% variable based on creditworthiness and the Prime Rate
Balance Transfer APR14.65% to 18.00% variable based on creditworthiness and the Prime Rate
Cash Advance APR16.65% to 20.00% variable based on the Prime Rate
Cash Advance Transaction FeeNone if performed at a Navy Federal branch or ATM. Otherwise, up to $1 for ATM Cash Advance
Penalty APR18.00%
Late Payment Penalty FeeUp to $20
Return Payment Penalty FeeUp to $20

Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit Fair Credit.

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Navy Federal More Rewards American Express® Card

Apply Now for Navy Federal More Rewards American Express® Card (opens in a new tab)

You will leave this site for the issuer’s page. Confirm current terms there.

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