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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.

$250

Welcome offer

Up to 3x

Points

$0

Annual fee

0%

Intro purchase APR

for the first 12 months (then 11.15% 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 11.15% 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.

Card benefits

  • Welcome offer.
    Earn one of the most generous welcome offers possible with a no-annual-fee card — 25,000 bonus points after you spend $3,000 in the first 90 days of account opening. That’s worth $250 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 11.15% 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 11.15% 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
Blue Cash Everyday® Card from American Express
$200 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
Get 3% cash back on groceries on up to $6,000 annually (then 1%) with no annual fee. This is a simple and effective rewards card. Rates & fees
Chase Freedom Flex℠
$200 after spending $500 in the first 3 months, plus 5% cash back at grocery stores on up to $12,000 in the first year
5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases
$0
Get up to 5% cashback in rotating and newly added everyday categories. The refreshed Freedom Flex card has lots of earning potential.
Blue Cash Preferred® Card from American Express
$300 after spending $3,000 in the first 6 months (Offer expires 12/10/2020)
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases
$0 intro annual fee for the first year ($95 thereafter)
Perfect for families: Get up to 6% on everyday purchases and a welcome offer worth $300. This heavy-hitter rewards card has uncontested value. Rates & fees
Chase Sapphire Preferred® Card
80,000 points after spending $4,000 in the first 3 months, a value of up to $1,000 through Chase Ultimate Rewards
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
$95
Earn a huge signup bonus worth $$1,000 with this popular travel card. Combine with other Chase Ultimate Rewards cards for even greater value.
Citi® Double Cash Card
N/A
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
$0
Earn up to 2% on every purchase with no annual fee. This is the highest flat-rate cashback card on the market.
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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.

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