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

Loading

Card details

  • 3X points at supermarkets

  • 3X points on gas and transit

  • 3X points at restaurants and on food delivery

  • 1X points on everything else

  • No annual fee

  • No balance transfer fee

  • No foreign transaction fees

  • No cash advance fees

Rates, fees & offers

  • Annual fee

    $0

  • Rewards rate

    1x-3x

  • Bonus offer

    Open a Navy Federal More Rewards American Express® Card, and you’ll earn 25,000 bonus points (a $250 value) when you spend $3,000 within 90 days of account opening.

  • Intro APR

    N/A

  • Ongoing APR

    APR: 9.65% - 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 
Annual Fee

$0

Annual Fee

$0

Annual Fee

$0

Regular APR

9.65% - 18.00% Variable APR

Regular APR

22.99% Variable APR

Rates & Fees

Regular APR

12.99% - 21.99% Variable APR

Rates & Fees

Intro APR

N/A

Intro APR

10.99% intro APR on Balance Transfers for 6 months

Intro APR

0% intro APR on Purchases for 6 months and 10.99% intro APR on Balance Transfers for 6 months

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

Not sure which card is best for you?

Take a simple quiz to find out

NerdWallet review

By Melissa Lambarena

Rating details

5

Editor's overall rating

Pros and cons

Pros
  • Qualify with average credit

  • No annual fee

  • No foreign transaction fee

Cons

    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.