To continue enjoying all the features of Navy Federal Online, please use a compatible browser. Confirm your browser capability.

Score Bonus Points and a Walmart+ Statement Credit

You could earn 20,000 bonus points when you spend $2,000 within 90 days of account opening.Footnote 1 And, get a statement credit for an annual Walmart+ membership.Footnote 2 See offer details.

This card is best for...

  • Everyday Spending

  • Supermarket Shopping

  • Average to Excellent Credit


Rates, Fees & Rewards

Rates

Purchase & Balance Transfer Variable APR between

14.90% - 18.00% Footnote 3

Terms & Conditions

Fees

  • No annual fee
  • No balance transfer fee
  • No foreign transaction fees
  • No cash advance feesFootnote 3

Rewards

  • 3X points at restaurants and on food delivery
  • 3X points at supermarkets
  • 3X points on gas and transit
  • 1X points on everything elseFootnote 4

Program Description

Features & Benefits

Walmart+ MembershipFootnote 2

For a limited time, get a one-time $98 statement credit when you pay $49 or more for an annual Walmart+ membership using your More Rewards Credit Card. (Normally, annual Walmart+ memberships are $98.)

With a Walmart+ membership, you can enjoy:

  • Free delivery from your store
  • Discounts on gas at over 14,000 participating locations nationwide
  • Early access to promotions and events

Love to travel? Or would you prefer to replenish your pockets with cash back? The More Rewards Card gives you the flexibility to redeem your points as you like. Want even more? Shop at our Member Deals and earn extra rewards on your purchases, including up to 15 points or 15% cash back per dollar spent.Footnote 5

Included With All Navy Federal Credit Cards

Tap to Pay

Zero Liability Policy

24/7 help from our US-based member service team

Do You Prequalify?

If you’re already a member, you can find out if you prequalify before applying for a Navy Federal Credit Card.

This won’t affect your credit score. A prequalification does not guarantee approval when you apply. When you apply, we also consider factors such as your monthly debt-to-income ratio.

Prequalify Me for a credit card

Reward yourself for everyday spending with the More Rewards Card.

See What Our Members Have to Say

I love my More Rewards Amex card and all the perks you receive.

Jaleesa

Great card. Love the introductory offer.

Joe

5 Reasons To Add the More Rewards Card to Your Wallet

Earn 3X points on everyday expenses like groceries and gas—plus great benefits and no annual fee.

Video Transcriptfor 5 Reasons to Add the More Rewards Card to Your Wallet

(DESCRIPTION)

A spokesperson sits facing us against a wall with a neon sign that says "Navy Federal Credit Union."

Text: Please see important disclosure information at the end of this video.

(SPEECH)

SPEAKER: Everybody should have a credit card that rewards them for everyday spending. Here's why Navy Federal's More Rewards American Express card is the right choice for you.

[MUSIC PLAYING]

You earn three times the points on what you spend the most on. Every time you shop at supermarkets, buy gas, pay for transit, eat at restaurants, or order food, you'll earn three times the points. And that's not all. You get one point on everything else.

And how you use your points is up to you. Take your pick from cash back, gift cards, merchandise, or travel. I love that.

There's no limit on how much you can earn in each category. Some cards place limits. We don't.

Your points don't expire while your account is open. No worries about redeeming points by a certain deadline. We don't nickel and dime you with fees either. There are no annual balance transfer or foreign transaction fees.

Our credit card APRs are low compared to others and capped at 18%. Other issuers rates are sometimes 30% or even higher. That's a lot.

More Rewards is an American Express card, so you get AMEX perks like exclusive access to special presale events for shows, sports, and concerts.

(DESCRIPTION)

Text: Exclusive Deals.

(SPEECH)

And you get up to 25% off car rentals, 30% off hotels, free car rental insurance, and roadside assistance. The perks of this card are plentiful.

(DESCRIPTION)

She smiles.

(SPEECH)

Our cards and service win awards and rave reviews. We've been rated a top credit card issuer, number one in customer service among credit card issuers in Forrester's customer experience survey and one of the most trusted companies in America by Newsweek.

(DESCRIPTION)

Both awards shown are for 2024. Text: What do our members think?

(SPEECH)

Our members love us, too. According to Trustpilot, they rate our More Rewards card 4.8 out of 5 stars.

Just so know you of you decide a More Rewards card is the one for you, you'll need to be a Navy Federal Credit Union member. It's easy to join. All branches of the military, veterans, DOD employees, and their family members are eligible. Navy Federal Credit Union, our members are the mission. Apply today at NavyFederal.org.

(DESCRIPTION)

Logo: Navy Federal Credit Union.

Text: Army, Marine Corps, Navy, Air Force, Space Force, Coast Guard, Veterans. Our members are the mission. Navy Federal is insured by NCUA. Credit Card Pricing. As of 11/1/2024, rates range from 15.40% 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. Rewards Program. For more information, view the American Express More Rewards Program Description Guide at navy federal.org. Please see important disclosure information in the description of this video.

(SPEECH)

[AUDIO LOGO]

 

 

 

Disclosures

1

Offer valid for cardholders issued new Navy Federal More Rewards American Express® credit card accounts. To be eligible for the 20,000 points offer, you must make $2,000 or more in eligible purchases within 90 days of account opening. Eligible purchases are purchases for goods and services, minus returns and other credits. Eligible purchases do not include fees, interest charges, balance transfers, gambling, convenience checks, cash advances, or other cash-equivalents (e.g., money orders, gift cards, prepaid cards). Please allow up to 8 weeks after the 90-day period for the 20,000 points to post to your rewards balance. Account must be open and not in default at the time the 20,000 points are scheduled to post to your rewards balance. Limit of one promotional offer at account opening. Offer valid for accounts applied for between 04/01/2025 and 01/01/2026. Navy Federal reserves the right to change or end this offer at any time without notice.

2

One-time statement credit of $98 when you pay $49 or more for an annual Walmart+ membership. Excludes monthly Walmart+ membership. Annual Walmart+ membership must be purchased within one year from Navy Federal More Rewards American Express® Card account opening date to receive the one-time statement credit. Please allow up to 30 days after the annual Walmart+ membership fee posts to your account for the $98 credit to post. Your annual Walmart+ membership will auto-renew annually following enrollment, and your credit or debit card on file will be charged for an additional term at the fee(s) in effect at the time. You may cancel your annual Walmart+ membership by calling Walmart Customer Care at 800-924-9206 or through your Walmart account. Walmart is a registered trademark of Walmart Apollo, LLC.

3

As of 05/31/2025, rates range from 14.90% 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.

4

Navy Federal More Rewards American Express® Cards earn 3 points for every $1 of eligible purchases made for gas, transit, restaurant, food delivery, and supermarkets, and 1 point for every $1 of other eligible purchases. Eligible purchases are purchases for goods and services, minus returns and other credits. Eligible purchases do not include fees, interest charges, balance transfers, gambling, convenience checks, cash advances, or other cash-equivalents (e.g., money orders, gift cards, prepaid cards). Merchants are assigned codes by payment networks based on what they primarily sell. We rely on this information to identify gas, transit, restaurant, food delivery, and supermarket purchases. If the purchase is not identified as a gas, transit, restaurant, food delivery, or supermarket purchase, it will not receive additional points. For example, purchases for transit that are identified as railway, ferries/water trip, taxi, limousines, bus lines, charters, tour buses, tolls, road/bridge fees, and parking/lots will receive 3 points for every $1 spent. However, purchases at restaurants located within another establishment (e.g., hotel, casino, commissary, grocery store, event venue), and purchases for gas at superstores, supermarkets, and warehouse clubs, may earn 1 point per $1 spent because they typically are not assigned codes identifying them as restaurant or gas purchases. For more information, view the More Rewards American Express® Card Program Description.

5

Rewards are subject to change and vary by merchant. Reward types are based on the purchasing credit card. cashRewards, cashRewards Plus, and cashRewards Secured cards receive cash back, Platinum receives a statement credit, and all others receive points. Program excludes Navy Federal Business and Home Equity Line Visa® Platinum credit cards and Navy Federal Debit Cards.

6

Offer valid in select cities. During the specified sales period, tickets are available exclusively to all American Express® Cardmembers (including Prepaid and International Cards). Tickets must be purchased with an American Express® Card (including Prepaid and International Cards). Standard service charges apply. Offer is subject to availability. Not all seats are available, and blackout dates apply. All sales final. No refunds. No exchanges. Offer may be changed or revoked at any time at the sole discretion of American Express®. Some events may not be accessible to Cardmembers with disabilities.

7

The Car Online Booking Tool is provided by ALTOUR. "Lowest available rate" refers to the lowest rate available across booking channels and must be available in the Global Distribution System during the booking date for the same booking being requested through CONNECT. Discount may apply on select rentals and varies by rental date, location and vehicle type. Individual offers are brought to you by participating merchants and are subject to the merchant’s terms, conditions and restrictions, which vary per offer and are subject to change. Cancellation policies, payment policies and all other booking conditions will be advised at the time of booking. Blackout dates may apply. All reservations and offers are based on availability and are subject to taxes and assessments. Offer expiration dates vary. To qualify, purchase must be booked by calling 1-877-754-9670 or online at the Navy Federal More Rewards American Express® Benefits Portal and must be made on a valid Navy Federal More Rewards American Express® Card. CONNECT searches will include all major car rental companies, but results may vary depending on destination and/or itinerary requested. Offer cannot be combined with other offers, promotions, discounts or programs, and may not be redeemed for cash. The CONNECT program may be terminated at any time. Neither American Express®, its subsidiaries and affiliates, nor Navy Federal are responsible for the products or services offered by participating merchants and service providers, and shall not be liable for the products or services provided in connection with any offer. ALTOUR’s California State Seller of Travel Registration Number is: 2033020-10. ALTOUR’s Iowa State Seller of Travel Registration Number is: 1139. See the More Rewards Program Description for restrictions and exclusions. For more information, please refer to the Navy Federal More Rewards American Express® Card Guide to Benefits. For a copy of the guide, please call 1-888-842-6328 or the appropriate international phone number.

8

Certain terms, restrictions, and exclusions apply. For more information, please refer to the More Rewards American Express® Card Guide to Benefits.

The views expressed in the reviews are solely those of the individuals posting them. The testimonials are substantively the words of the individual reviewer, but may have undergone minor clerical revisions to ensure readability, add context, or protect private information. Any imagery displayed is for decorative purposes only and is not necessarily associated with the reviewer.

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.

Program excludes Navy Federal Business and Home Equity Line Visa® Platinum Credit Cards and Navy Federal Debit Cards.