More Rewards American Express® Credit Card
Apply Today and Enjoy a Low Intro APR on Purchases, Plus Earn 20,000 Bonus Points
Apply Now for the Navy Federal More Rewards American Express® Card card View Offer Details for the Navy Federal More Rewards American Express® Card cardThis card is best for...
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Everyday Spending
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Grocery Shopping
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Average to Excellent Credit
Rates, Fees & Rewards
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.
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
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Redeem Credit Card Rewards
Get the most out of your credit card. Redeem your rewards now.Learn Moreabout Redeem Credit Card Rewards -
Member Deals
Use your credit card to shop our online Member Deals. You'll get higher rewards just for purchasing through Member Deals, free shipping from certain retailers, exclusive offers and other perks.Learn Moreabout Member Deals -
Get Your FICO® Score
Stay on top of your credit. Sign in to your Navy Federal account to easily view your FICO Score.Learn Moreabout Get Your FICO® Score
Credit Card Basics
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How to Apply for a Credit Card
Demystify the application process. Learn how to apply, how long the process takes and what the impact will be on your credit.Learn Moreabout How to Apply for a Credit Card -
How Credit Cards Work
Credit cards are valuable tools to establish and build credit. Learn how they work and how to use them responsibly.Learn Moreabout How Credit Cards Work -
Understanding Credit
Visit MakingCents to learn what affects your credit score and how you can build a strong credit history.Learn Moreabout Understanding Credit -
Balance Transfers
Learn how you can move your current credit card balance to a Navy Federal card to consolidate debt and potentially lower payments.Learn Moreabout Balance Transfers
Disclosures
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.
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.
↵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.
↵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.