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Navy Federal More Rewards American Express® Card

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Only available to members of the military and affiliated organizations, this card earns rewards for everyday spending and offers a decent list of benefits and promotional terms. See the membership requirements to find out if you’re eligible to apply.

Our rating
Min. credit level: Good
Annual Fee: $0
Regular APR: 9.65% - 18.00% Variable
Intro Purchase APR: 0% for 9 months

Navy Federal More Rewards American Express® Card

Our rating
Good Min. credit level
$0 Annual Fee
How To Apply Read Our Review

Highlights & Features


Spending Rewards
  • 3X points per dollar at:
    • Supermarkets
    • Restaurants
    • Gas stations
    • Transit
  • 1X point per dollar for all other purchases
Introductory Bonus
  • 15,000 bonus points for spending $2,000 within 90 days of account opening

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR 9.65% - 18.00% Variable
Balance Transfer Fee $0
How to Transfer a Balance on a Credit Card


Penalty APR 18.00%
Late Fee Up to $20
Returned Payment Fee Up to $20
Additional Cards Annual Fee N/A
Foreign Transaction Fee $0
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR 2% above your variable APR
Cash Advance Fee N/A
How to Get a Cash Advance with a Credit Card

Card Benefits

  • Free Credit Score
  • Zero Liability on Unauthorized Charges
  • Discount Portal
  • Purchase Protection
  • Extended Warranty Protection
  • No Foreign Transaction Fee
  • Auto Rental Insurance
  • Roadside Assistance
  • Emergency Travel Assistance

Navy Federal Credit Union

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-888-842-6328 or

Try a different phone number

Designed for everyday spending, the More Rewards American Express card offers a low intro APR for purchases, along with rewards for quite a few typical daily purchases.

You’ll earn 3X points per dollar at supermarkets and restaurants, and on gas and transit. For all other purchases, you’ll get 1X point per dollar.

This card comes with:

  • No annual fee
  • No balance transfer fee
  • No foreign transaction fee
  • No cash advance fee

You’ll also get some basic Amex benefits such as Roadside Assistance, Entertainment Access & Global Dining Program, and Car Rental Loss & Damage Insurance.

This card is only available to those who have participated in the military or certain affiliated organizations, and their families. See a full explanation of the eligibility requirements.

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