This card is best for...

  • Everyday Spending

  • Grocery Shopping

  • Average to Excellent Credit

Rates, Fees & Rewards


Purchase & Balance Transfer Variable APR between

11.40% - 18.00% 2

Terms & Conditions


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


  • 3X points at supermarkets
  • 3X points at gas stations
  • 2X points at restaurants
  • 1X point on everything else 3 4

More Rewards Program Description

Features & Benefits

  • No rewards limit
  • Points redeemed for cash, travel, gift cards and merchandise
  • Entertainment access
  • Global Dining Program
  • Up to 25% off car rental, plus car rental loss & damage insurance
  • Roadside assistance
Learn More" about 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 fees5
  • Ability to freeze and unfreeze your cards
  • Zero Liability policy for reported unauthorized transactions
  • Fraud notifications*
  • Access to your FICO® score6
Learn More about the benefits included with all Navy Federal credit cards

Cardholder Resources

Redeem Rewards

Get the most out of your credit card. Redeem your rewards now.

Learn More about Redeem Rewards

Member Mall®

Use your credit card to shop our online Member Mall. You’ll get higher rewards just for purchasing through Member Mall, free shipping from certain retailers, exclusive offers and other perks.

Learn More about Member Mall®

FICO® Score

Stay on top of your credit. Sign in to your Navy Federal account to easily view your FICO score.

Learn More about FICO® Score
View More Cardholder Resources

Credit Card Basics

Credit Card Application Process

Demystify the application process. Learn how to apply, how long the process takes and what the impact will be on your credit.

Learn More about Credit Card Application Process

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 More about 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 More about 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 More about Balance Transfers
View More Credit Card Basics


1Offer valid for cardmembers issued new Navy Federal More Rewards American Express® Card accounts. To be eligible for the 25,000 points, you must make $3,000 or more in net purchases with the card within 90 days of account opening. Please allow up to eight weeks after the 90-day period for the 25,000 points to post to your rewards balance. Account must be open and not in default at the time the 25,000 points are issued in order to be posted to your rewards balance. Limit of one promotional offer per account. Offer valid for accounts applied for from 10/1/2018 to 12/31/2018.

2Currently, rates range from 11.40% 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 overseas transaction. Cash Advance APR is variable and up to 2% higher than purchase APR, but will not exceed 18%. Repayment terms are 2% of outstanding balance or $20, whichever is greater.

3More Rewards Cards earn 3 points for every $1 of net purchases made at supermarkets and gas stations, 2 points for every $1 of net purchases made at restaurants, and 1 point for every $1 of other net purchases. A More Rewards Card supermarket, 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 be ineligible, in which case you will 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.

4Rewards are earned on eligible net purchases. "Net purchases" means the sum of your eligible purchase transactions minus returns and refunds. Eligible purchase transactions do not include, and rewards are not earned for, the following transactions: cash advances, convenience checks, balance transfers, or fees of any kind, including finance charges, late fees, returned check fees, ATM cash advance fees, and annual fees, if any. Cash equivalent transactions, such as the purchase, loading or re-loading of gift and prepaid cards (e.g., money orders, Visa® Buxx Cards, GO Prepaid Cards and other cash equivalent gift cards), may not be eligible purchase transactions and may not earn rewards.

5For all Navy Federal Credit Cards: Currently, rates range from 7.74% 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.

6FICO 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.