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Navy Federal More Rewards American Express® Card review

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Get one of the biggest welcome offers on a no-annual-fee card.

  • Get this card if you’re a Navy Federal Credit Union member who wants to earn points on groceries, gas and dining.
  • Pick something else if you want a 0% intro APR period.
  • Apply with a good to excellent credit score of 670 or higher.

$300

Welcome offer

Up to 3x

Points

$0

Annual fee

0%

Intro Purchase APR

for the first 12 months (then 11.4% to 18% variable)

Details

Product NameNavy Federal More Rewards American Express® Card
Card typeAmerican Express
Annual fee$0
Purchase APR0% intro for the first 12 months (then 11.4% to 18% variable)
Balance transfer APR0% intro for the first 6 months (then 11.15% to 18% variable)
Balance transfer feeNone
Cash advance rate13.65% to 20% variable
Penalty APR18% fixed
Foreign transaction feeNone
Interest free periodUp to 25 days
Late payment feeUp to $20
Returned payment feeUp to $20

Expert review

Kliment Dukovski

Review by


Kliment Dukovski is a credit cards writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.

Expert review

The Navy Federal More Rewards American Express® Card can be your family’s best friend. The card lets you earn accelerated rewards on groceries, gas and dining, and you can earn a generous welcome offer if you meet the spending requirements. You can also save money on interest with an ongoing low APR on purchases, balance transfers and cash advances. On top of all that, you won’t pay some of the most common fees.

Another rewards credit card

Citi Rewards+℠ Card

  • The Citi Rewards+℠ Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
  • 0% intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 14.99% - 24.99%, based on your creditworthiness.
  • Earn 2x ThankYou® Points at supermarkets and gas stations for the first $6,000 per year and then 1x points thereafter. Plus, earn 1x points on all other purchases.
  • The standard variable APR for Citi Flex Plan is 14.99% - 24.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.
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Card benefits

  • Welcome offer.
    Earn one of the most generous welcome offers possible with a no-annual-fee card — 30,000 bonus points after you spend $3,000 in the first 90 days of account opening. That’s worth $300 in redemption value according to Navy Federal Credit Union website.
  • Reward points.
    Earn 3x points at supermarkets and gas stations, 3x points at restaurants, and 1x points on all other purchases you make with the card.
  • Potentially low APR.
    You can get a variable APR of 11.4% to 18% based on your creditworthiness.
  • Intro APR on purchases.
    Use 0% intro APR period on purchases for your first 12 months of card membership. After the intro period expires, your rate reverts to variable 11.4% to 18%.
  • Limited fees.
    This card waives some of the most common fees, including your annual fee, foreign transaction fees, balance transfer fees and cash advance fees when making withdrawals at Navy FCU ATMs.

What to watch out for

  • No intro 0% APR period.
    Compare 0% intro APR credit cards if that’s something you’re looking for.

How to apply for the Navy Federal More Rewards American Express® Card

To apply for the card, you must be a Navy Federal Credit Union member. Once you are:

  1. Visit the Navy Federal Credit Union website and locate the card.
  2. Click Apply and sign in.
  3. Fill out the application form.
  4. Review the form and submit.

What credit score do I need?

You need a good to excellent credit score of 670 or higher.

Are you eligible for Navy Federal Credit Union membership?

To be eligible for this credit union membership you need to be:

  • Active duty, retired or a veteran.
    Army, Marine Corps, Navy, Air Force, Coast Guard and Delayed Entry Program (DEP); Air National Guard; DoD reservists; DoD officer candidate/ROTC and veterans, retirees and annuitants.
  • Family members.
    Parents, grandparents, spouses, siblings, children, grandchildren and household members.
  • Department of Defense civilians.
    DoD civilian employees, US Government employees assigned to DoD installations, DoD contractors and DoD civilian retirees and annuitants.

Compare rewards credit cards

Name Product Welcome offer Rewards Annual fee Filter values
Citi Rewards+℠ Card
Earn 15,000 points after spending $1,000 in the first 3 months
Earn 2x points at supermarkets and gas stations on up to $6,000 annually, then 1x points after that and on all other purchases
$0
The only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
Blue Cash Everyday® Card from American Express
$150 after spending $1,000 in the first 3 months
2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
$0
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & fees
Capital One® VentureOne® Rewards Credit Card
20,000 miles after spending $1,000 in the first 3 months
1.25x miles on all purchases and 10x miles at hotels.com/venture
$0
Earn 20,000 bonus miles once you spend $1,000 on purchases within the first 3 months from account opening.
Chase Sapphire Preferred® Card
60,000 points after spending $4,000 in the first 3 months
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
$95
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months.
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Bottom line

If you’re affiliated with the military and you want a credit card with accelerated points on everyday purchases, the Navy Federal More Rewards American Express® Card is definitely worth considering.

However, if this card doesn’t seem right for you, compare other credit card options to find the right card for your wallet.

Frequently asked questions

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