This card is best for...

  • Everyday Spending

  • Grocery Shopping

  • Average to Excellent Credit


Rates, Fees & Rewards

Rates

Purchase & Balance Transfer Variable APR between

9.65% - 18.00% 1

Terms & Conditions

Fees

  • No annual fee
  • No balance transfer fee
  • No foreign transaction fees
  • No cash advance fees

Rewards

  • 3X points at restaurants and on food delivery
  • 3X points at supermarkets
  • 3X points on gas and transit
  • 1X points on everything else2

Program Description

Get a Credit Card That Rewards You

The More Rewards Card was recognized by GOBankingRates as “Best Rewards Credit Card” in 2019.

Features & Benefits

  • No rewards limit
  • Points redeemed for cash, travel, gift cards and merchandise
  • Entertainment access
  • Up to 25% off car rental, plus car rental loss & damage insurance
  • Roadside assistance

Learn Moreabout the features and benefits of the More Rewards Card

Included With All Navy Federal Credit Cards

  • 24/7 access to stateside member reps
  • No balance transfer or foreign transaction fees3
  • Ability to freeze and unfreeze your cards
  • Zero Liability policy for unauthorized transactions
  • Fraud notifications*
  • Access to your FICO® Score4

 

Learn More about the benefits included with all Navy Federal credit cards

Cardholder Resources

View MoreCardholder Resources

Credit Card Basics

View MoreCredit Card Basics

Disclosures

1

As of 01/10/2021, rates range from 9.65% APR to 18.00% APR, are based on creditworthiness, and will vary with the market based on the U.S. Prime Rate. ATM cash advance fees: None, if performed at a Navy Federal branch or ATM. Otherwise, $0.50 per domestic transaction or $1.00 per foreign transaction.

2

Navy Federal More Rewards American Express® Cards earn 3 points for every $1 of net purchases made for gas, transit, restaurants, supermarkets, and 1 point for every $1 of other net purchases. Merchant transit categories classified as railway, ferries/water trip, taxis, limousines, bus lines, charters, tour buses, tolls, road/bridge fees, and parking/lots will receive 3 points for every $1 of net purchases. A supermarket, transit, gas station or restaurant purchase may only earn 1 point per dollar spent, depending on the merchant code used to process the transaction. Restaurants located within another establishment (e.g., hotel, casino, commissary, grocery store, event venue) may receive 1 point per dollar spent at these locations. In addition, superstores, supermarkets and warehouse clubs that sell gasoline are not considered gas stations, so you will earn 1 point per dollar spent at these locations. For more information, view the More Rewards American Express® Card Program Description at navyfederal.org.

3

For all Navy Federal Credit Cards: As of 01/10/2021, rates range from 5.99% APR to 18.00% APR, are based on product type and creditworthiness, and will vary with the market based on the U.S. Prime Rate. ATM cash advance fees: None if performed at a Navy Federal branch or ATM. Otherwise, $0.50 per domestic transaction or $1.00 per foreign transaction. $49 annual fee for Visa Signature® Flagship Rewards.

4

FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

The Navy Federal More Rewards American Express® Card is issued and administered by Navy Federal Credit Union. American Express is a federally registered service mark of American Express and is used by the issuer pursuant to a license.