Navy Fed More Rewards Review: Rich Rewards on Everyday Spending

The $0-annual-fee card also offers an unusually big sign-up bonus. But you must join the credit union to get it, and if you travel abroad, the card may not be ideal.

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Our Take


NerdWallet rating 
The bottom line:

If you qualify for membership at Navy Federal Credit Union, this card can earn easy rewards on groceries, gas, dining and transit. For a card that travels well, look elsewhere.

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Navy Federal Credit Union® More Rewards American Express® Credit Card
Navy Federal Credit Union® More Rewards American Express® Credit Card
Annual fee
Regular APR
9.90%-18.00% Variable APR
Intro APR
1.99% intro APR on Purchases for 12 months
Rec. credit score
630-850 (Average - Excellent)


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