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See What You Could Save With a Balance Transfer
Apply Now for the Navy Federal More Rewards American Express® Card card View Offer Details for the Navy Federal More Rewards American Express® Card card
Reward yourself for everyday spending with the More Rewards Card.
This card is best for...
Everyday Spending
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Supermarket Shopping
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Average to Excellent Credit
Rates, Fees & Rewards
Rates
Purchase & Balance Transfer Variable APR between
15.90% - 18.00% 1
Fees
- No annual fee
- No balance transfer fee
- No foreign transaction fees
- No cash advance fees
Rewards
- 3X points at restaurants and on food delivery2
- 3X points at supermarkets2
- 3X points on gas and transit2
- 1X points on everything else2
Program Description
- More Rewards Program Description PDF
Get a Credit Card That Rewards You
The More Rewards American Express® Card was recognized by GOBankingRates as “Best Rewards Credit Card” in 2019.
Features & Benefits
- No rewards limit
- Points redeemed for cash, travel, gift cards and merchandise
- Entertainment access
- Up to 25% off car rental, plus car rental loss & damage insurance
- Roadside assistance
Learn More about the features and benefits of the More Rewards Card
Included With All Navy Federal Credit Cards
- Use your credit card before it arrives in the mail if you qualify for a digitally issued card
- 24/7 help from our U.S.-based member service team
- No balance transfer or foreign transaction fees3
- Ability to freeze and unfreeze your cards
- Zero Liability policy for unauthorized transactions
- Fraud notifications*
- Access to your credit score
Learn More about the benefits included with all Navy Federal credit cards
Cardholder Resources
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Redeem Credit Card Rewards
Get the most out of your credit card. Redeem your rewards now.
Learn Moreabout Redeem Credit Card Rewards
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Member Deals
Use your credit card to shop our online Member Deals. You'll get higher rewards just for purchasing through Member Deals, free shipping from certain retailers, exclusive offers and other perks.
Learn Moreabout Member Deals
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Get Your Credit Score
Stay on top of your credit. Sign in to your Navy Federal account to easily view your credit score.
Learn Moreabout Get Your Credit Score
View MoreCardholder Resources
Credit Card Learning Center
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How to Apply for a Credit Card
Demystify the application process. Learn how to apply, how long the process takes and what the impact will be on your credit.
Learn Moreabout How to Apply for a Credit Card
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How Credit Cards Work
Credit cards are valuable tools to establish and build credit. Learn how they work and how to use them responsibly.
Learn Moreabout How Credit Cards Work
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Credit Scores & Reports
Visit MakingCents to learn what affects your credit score and how you can build a strong credit history.
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How to Do a Balance Transfer
Learn how you can move your current credit card balance to a Navy Federal card to consolidate debt and potentially lower payments.
Learn Moreabout How to Do a Balance Transfer
View MoreCredit Card Learning Center
Still have questions? Visit our Credit Card FAQs.
1
As of 08/03/2024, rates range from 15.90% APR to 18.00% APR, are based on creditworthiness, and will vary with the market based on the U.S. Prime Rate. ATM cash advance fees: None, if performed at a Navy Federal branch or ATM. Otherwise, $0.50 per domestic transaction or $1.00 per foreign transaction.
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2
Navy Federal More Rewards American Express® Cards earn 3 points for every $1 of net purchases made for gas, transit, restaurants, food delivery, and supermarkets, and 1 point for every $1 of other net purchases. Merchant transit categories classified as railway, ferries/water trip, taxis, limousines, bus lines, charters, tour buses, tolls, road/bridge fees, and parking/lots will receive 3 points for every $1 of net purchases.A supermarket, transit, gas station, restaurant, or food delivery purchase may only earn 1 point per dollar spent, depending on the merchant code used to process the transaction. Restaurants located within another establishment (e.g., hotel, casino, commissary, grocery store, event venue) may receive 1 point per dollar spent at these locations. In addition, superstores, supermarkets, and warehouse clubs that sell gasoline are not considered gas stations, so you will earn 1 point per dollar spent at these locations. For more information, view the More Rewards American Express® Card Program Description.
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3
As of 08/03/2024, nRewards® Secured card rate is 18.00% APR and will vary with the market based on the U.S. Prime Rate. All other Navy Federal Credit Card rates range from 11.99% APR to 18.00% APR, are based on product type and creditworthiness, and will vary with the market based on the U.S. Prime Rate. ATM cash advance fees: None if performed at a Navy Federal branch or ATM. Otherwise, $0.50 per domestic transaction or $1.00 per foreign transaction. $49 annual fee for Visa Signature® Flagship Rewards.
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The views expressed in the reviews are solely those of the individuals posting them. The testimonials are substantively the words of the individual reviewer, but may have undergone minor clerical revisions to ensure readability, add context, or protect private information. Any imagery displayed is for decorative purposes only and is not necessarily associated with the reviewer.
The Navy Federal More Rewards American Express® Card is issued and administered by Navy Federal Credit Union. American Express is a federally registered service mark of American Express and is used by the issuer pursuant to a license.
