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No Rewards Limit

Spend more, earn more. Continue to accrue more until you’re ready to redeem.

No Reward Expiration

As long as your account is open, rewards won’t expire. Continue to spend and accrue rewards and redeem them at your convenience.

Tap to Pay

Make purchases quickly and securely with your card. Just look for the contactless symbol at checkout, then tap your card against the card reader.1

Travel Discounts

Receive up to 30% off on select hotel properties through on the Amex Benefits platform.

Redeem Points for Cash, Travel, Gift Cards and Merchandise

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.2

Entertainment Access3

Get early access to purchase tickets for shows, sports and concerts nationwide, all year round. Take advantage of presale tickets and special events, experiences and offers when you purchase tickets with your card through the Entertainment website. Plus, sign up for email alerts to find out about upcoming events.

Up to 25% Off Car Rental,4 Plus Car Rental Loss & Damage Insurance5

Get competitive rates and valuable offers up to 25% off with major car rental companies worldwide. Plus, receive coverage against damage to or loss of a rental automobile rented in the USA or Canada with the More Rewards Card.

25% Off Car Rental
Phone: 1-877-754-9670

Car Rental Loss & Damage Insurance Phone:
Phone: 1-866-643-6873; Worldwide Collect: 312-935-9241

Available 24/7

For more information, please refer to the More Rewards American Express® Card Guide to Benefits.

Roadside Assistance

Enjoy peace of mind knowing you have roadside assistance—including towing and transport if your car becomes unusable while traveling, vehicle replacement while your car is being repaired, a replacement driver if you become medically unfit to drive during a trip, and continuation of journey or return home if your car is lost or unusable.

Phone: 1-866-643-6873; Worldwide Collect: 312-935-9241

Available 24/7

For more information, please refer to the More Rewards American Express® Card Guide to Benefits.

Additional Card Benefits

Learn more about additional travel, entertainment and shopping benefits.

Included With All Navy Federal Credit Cards

  • Use your credit card before it arrives in the mail if you qualify for digital issuance
  • 24/7 help from our U.S.-based member service team
  • No balance transfer or foreign transaction fees6
  • Ability to freeze and unfreeze your cards
  • Zero Liability policy for unauthorized transactions
  • Fraud notifications*
  • Access to your credit score

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



The Contactless Symbol is a trademark owned by and used with permission of EMVCo, LLC.


Rewards are subject to change and vary by merchant. Reward types are based on the purchasing credit card. cashRewards receives 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.


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.


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, 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.


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


As of 06/18/2024, nRewards® Secured card rate is 18.00% APR and will vary with the market based on the U.S. Prime Rate. All other Navy Federal Credit Card rates range from 11.24% 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.

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.