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

4.8

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
$0
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)

Methodology

NerdWallet reviews credit cards with an eye toward both the quantitative and qualitative features of a card. Quantitative features are those that boil down to dollars and cents, such as fees, interest rates, rewards (including earning rates and redemption values) and the cash value of benefits and perks. Qualitative factors are those that affect how easy or difficult it is for a typical cardholder to get good value from the card. They include such things as the ease of application, simplicity of the rewards structure, the likelihood of using certain features, and whether a card is well-suited to everyday use or is best reserved for specific purchases. Our star ratings serve as a general gauge of how each card compares with others in its class, but star ratings are intended to be just one consideration when a consumer is choosing a credit card. Learn how NerdWallet rates credit cards.