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Navy Federal More Rewards American Express® Credit 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: 11.15%–18.00% Variable
Intro Balance Transfer APR: 1.99% for 12 Months
Intro Purchase APR: 1.99% for 12 Months

Navy Federal More Rewards American Express® Credit Card

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

Highlights & Features

Rewards

  • 3X points per dollar at:
    • Supermarkets
    • Restaurants
    • Gas stations
    • Transit
  • 1X point per dollar for all other purchases

Balance Transfers

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

Intro Balance Transfer APR 1.99% for 12 Months
Regular Balance Transfer APR 11.15%–18.00% Variable
Balance Transfer Fee N/A
How to Transfer a Balance on a Credit Card

Fees

Penalty APR 18.00%
Late Fee Up to $20
Returned Payment Fee Up to $20
Additional Cards Annual Fee N/A
Foreign Transaction Fee None
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your credit 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 None at an NFCU branch or ATM; up to $1 otherwise
How to Get a Cash Advance with a Credit Card

Card Benefits

PERKS
  • Free Credit Score
SECURITY
  • Zero Liability on Unauthorized Charges
SHOPPING
  • Discount Portal
  • Purchase Protection
  • Extended Warranty Protection
TRAVEL
  • No Foreign Transaction Fee
  • Auto Rental Insurance
  • Roadside Assistance
  • Emergency Travel Assistance
ABOUT THE ISSUER

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 and balance transfers, 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.