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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.


Points as welcome offer

Up to 3x



Annual fee


Intro Purchase APR

for the first 12 months (then 11.65% to 18% variable)


Product NameNavy Federal More Rewards American Express® Card
Card typeAmerican Express
Annual fee$0
Purchase APR0% intro for the first 12 months (then 11.65% to 18% variable)
Balance transfer APR11.65% 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

The basics

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.

But not everyone can apply — you must be affiliated with the military to become a member of this credit union.

Another rewards category card

Blue Cash Preferred® Card from American Express

  • Earn a $250 statement credit after you spend $1,000 in purchases on your new card within the first 3 months.
  • NEW 6% cash back on select U.S. streaming subscriptions.
  • NEW 3% cash back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
  • 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 3% cash back at U.S. gas stations. 1% cash back on other purchases.
  • Over 3 million more places in the U.S. started accepting American Express® Cards in 2017 and 2018.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 14.74% to 25.74%
  • $95 annual fee.
  • Terms apply.
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See Rates & Fees

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 in redemption value according to Navy Federal Credit Union website.
  • Reward points.
    Earn 3x points at supermarkets and gas stations, 2x 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 11.65% 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 11.65% 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
1x points on all purchases with 2% point value when you redeem for airfare and 1.5% for cash back
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
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
Earn 20,000 bonus miles once you spend $1,000 on purchases within the first 3 months from account opening.
75,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you use your new Card to make $1,000 in eligible purchases within the first 3 months of Card Membership.
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
Earn 75,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. Rates & fees
$150 cash back after spending $500 in the first 3 months
1.5% cash back on all purchases
Earn unlimited 1.5% cash back on every purchase, every day.
$150 after spending $500 in the first 90 days
5% on up to $2,000 each activated quarter on two categories combined (1% after), 2% on one everyday category and 1% on all other purchases
When you spend $500 on your card within the first 90 days, you’ll receive a $150 cash back bonus. Rates & Fees

Compare up to 4 providers

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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