Navy Federal Credit Union® More Rewards American Express® Credit Card

Navy Federal Credit Union® More Rewards American Express® Credit Card

Navy Federal Credit Union® More Rewards American Express® Credit Card

Navy Federal Credit Union® More Rewards American Express® Credit Card

Navy Federal Credit Union® More Rewards American Express® Credit Card

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Card details

  • Get our Navy Federal More Rewards American Express® Card, and you can earn 20,000 bonus points (a $200 value) when you spend $2,000 within 90 days of account opening. Expires on Jan. 02, 2023.

  • 3X points at restaurants and on food delivery

  • 3X points at supermarkets

  • 3X points on gas and transit

  • 1X points on everything else

  • No annual fee

Rates, fees & offers

  • Annual fee

    $0

  • Rewards rate

    1x-3x

  • Bonus offer

    Earn 20,000 bonus points (a $200 value) when you spend $2,000 within 90 days of account opening. Expires January 2, 2023.

  • Intro APR

    N/A

  • Ongoing APR

    APR: 11.90%-18.00% Variable APR

    Penalty APR: Up to 18.00%, Variable

    Cash Advance APR: 20.00%, Variable

  • Foreign transaction fee

    None

Recommended credit score

Compare to other cards

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
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Annual fee

$0

Annual fee

$99

Annual fee

$199

Regular APR

11.90%-18.00% Variable APR

Rates & Fees

Regular APR

18.24%, 22.24% or 27.24%, Variable APR

Rates & Fees

Regular APR

See Terms

Intro APR

N/A

Intro APR

0% intro APR for 15 months on balance transfers made within 45 days of account opening.

Intro APR

N/A

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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NerdWallet review

By Melissa Lambarena

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

Rating details

4.8

Editor's overall rating

Pros and cons

Pros
  • No annual fee

  • Bonus categories

  • No balance transfer fee

  • New cardholder bonus offer

  • No foreign transaction fees

Cons
  • Must be a member/customer

  • No 0% intro APR

  • Lower acceptance abroad

There's a lot to like about the Navy Federal Credit Union® More Rewards American Express® Credit Card.

It offers a richer-than-normal introductory offer and earns elevated rewards in some of the most popular everyday spending categories, including groceries, gas, transit and dining. The annual fee is $0, and unlike some other rewards cards, it's available to those with only average credit. Terms apply.

Still, you'll have to join the Navy Federal Credit Union to get the card, and not everyone will meet those eligibility requirements. And if you frequently travel abroad, you'll probably need a backup payment method.

For more information, see our full review of this card.