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This card is best for...

  • Everyday Spending

  • Grocery Shopping

  • Average to Excellent Credit


Rates, Fees & Rewards

Rates

Purchase & Balance Transfer Variable APR between

11.65% - 18.00% 2

Terms & Conditions

Fees

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

Rewards

  • 3X points at supermarkets
  • 3X points on gas and transit
  • 3X points at restaurants
  • 1X points on everything else 3

Program Description

More Rewards 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
  • 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 fees4
  • Ability to freeze and unfreeze your cards
  • Zero Liability policy for reported, unauthorized transactions
  • Fraud notifications*
  • Access to your FICO® score5
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 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 More about Member Deals
  • 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

View More Credit Card Basics

Disclosures

1 Offer valid for cardholders issued new Navy Federal More Rewards American Express® Card accounts. To be eligible for the 30,000 bonus points, you must make $3,000 or more in net purchases within 90 days of account opening. Earn rewards 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 reloading 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. Please allow up to eight weeks after the 90-day period for the 30,000 bonus points to post to your rewards balance. Account must be open and not in default at the time the 30,000 bonus points are scheduled to post to your rewards balance. Limit of one promotional offer at account opening. Valid for accounts applied for by 10/31/2019. Excludes Navy Federal Business cards.

2 As of 9/3/2019, rates range from 11.65% 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.

3 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, taxi, 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.

4 For all Navy Federal Credit Cards: As of 9/3/2019, rates range from 7.99% 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.

5 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.