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

5.0

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.

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

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

Annual fee

$0

Regular APR

9.65% - 18.00% Variable APR

Intro APR

N/A

Recommended Credit Score

Quick Facts

Pros & 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

Alternate Pick: No membership requirement

Citi® Double Cash Card
NerdWallet rating 

Citi® Double Cash Card – 18 month BT offer

High rewards on all purchases

This card earns 2% cash back on everything: 1% when you buy and 1% when you pay it back. It has a $0 annual fee, and as a Mastercard, it will have widespread international acceptance.

Read our review

Compare to Other Cards

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
Annual fee

$0

Annual fee

$0

Annual fee

$0

Regular APR

13.99% - 23.99% Variable APR

Regular APR

11.99% - 22.99% Variable APR

Rates & Fees

Regular APR

14.99% - 23.74% Variable APR

Intro APR

0% intro APR on Balance Transfers for 18 months

Intro APR

0% intro APR for 14 months on purchases and balance transfers

Intro APR

0% intro APR on Purchases for 15 months

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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Full Review

For an everyday rewards card, the is an excellent choice: Cardholders earn a high rewards rate on supermarket spending, gas and transit spending and restaurants — a wide swath of daily spending — all for no annual fee.

There's also a richer-than-usual sign-up bonus, plus the card is available to people with average credit, which is not always the case with rewards cards.

As an American Express product, international acceptance may be somewhat limited. But as long as you can qualify for it by being eligible to join the Navy Federal Credit Union, it’s hard to find a better card for daily use.

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Annual fee: .

Sign-up bonus:

Ongoing rewards:

You can redeem points for things like cash back, gift cards and travel, including airlines, cruises, car rentals, hotels, tours and attractions, and events. Points are generally worth 1 cent apiece.

APR: .

Balance transfer fee: None.

Foreign transaction fee: None. (Note, however, that American Express isn't as widely accepted internationally as Visa or Mastercard.)

Other benefits:

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The makes it easy to earn back some value on your purchases whether you're shopping for one or a large family. You get an unlimited 3 points per $1 spent at supermarkets and gas stations; 3 points per $1 spent on dining and transit; and 1 point per $1 spent everywhere else. A card that offers top rewards in all of these everyday spending categories is rare, and some that do offer them put a cap on those higher rates. But there's no limit to the rewards you can earn with this card.

The card features a rich bonus offer for a -annual-fee product:  That's more generous than you'll find on many other cards in its class.

With average credit — also known as fair credit, meaning FICO scores of at least 630 — your pool of options is limited when it comes to rewards cards. Some of those options even charge annual fees. The is an exception. It's surprisingly generous with a high rewards rate, introductory incentives and low fees. Other options to consider for average credit include and which also requires credit union membership.

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The card offers a variety of redemption options: cash back and travel, yes, but also merchandise, gift cards, event tickets and more.

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To get this card, you'll have to join the Navy Federal Credit Union. Typically, membership is limited to current or former members of the military, Department of Defense employees, or their qualifying family members. If you don't qualify or if it's just one too many hoops to jump through, remember that general  usually don't require membership with the issuing bank.

The  offers similar rewards categories and doesn't require a credit union membership. You might also want to consider other cards that .

The card doesn't offer a 0% intro APR period on balance transfers. True, there are no balance transfer fees, and the card's ongoing interest is potentially lower than you might find on other cards (depending on your creditworthiness). But the  is a better balance transfer option. You get a annual fee, no balance transfer fee and an intro .

Even though it doesn’t charge foreign transaction fees, this card isn't the best travel companion. As an American Express, you'll face limited merchant acceptance abroad compared with the Visa and Mastercard networks. If you are in the military or belong to a military family that moves from country to country, you’ll need a backup payment method. The  runs on the Mastercard network and is an ideal option with no foreign transaction fees. It earns 3% cash back on dining, grocery stores and entertainment, including streaming services, and 1% on all other purchases.

Perhaps you would benefit from the ability to choose your own rewards categories. The  earns 3% cash back on a chosen category (from a list of six) and 2% back at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases), and an unlimited 1% back on all other purchases. Possible 3% options include gas, dining, online shopping, travel, drugstores, or home improvement/furnishings. Or consider the . It earns 5% back on the first $2,000 in combined purchases in two categories of your choice from the issuer's approved list; 2% unlimited cash back on an everyday category of your choice (such as gas stations, grocery stores or restaurants); and 1% back on all other purchases.

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If you can qualify for membership at Navy Federal Credit Union, the can reward you handsomely for your everyday purchases.

But if you're looking to pay down debt or for a good travel buddy, consider another option. See how the card stacks up with others by visiting NerdWallet's roundup of the .

Information related to the has been collected by NerdWallet and has not been reviewed or provided by the issuer or provider of this product or service.