• 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.

  • 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.1

  • Flight Discounts

    Receive a discount of up to 10% on select Delta Air Lines flights when you book through the American Express® travel site.

  • Entertainment Access2

    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.

  • Global Dining Program3

    Get special savings and complimentary benefits at restaurants you love. Each restaurant offers something extra on the house: a discount, complimentary wine or appetizer.

  • 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

    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

    Provides roadside assistance, towing and transport if the Covered Person’s car becomes unusable while traveling, vehicle replacement while the their car is being repaired, a replacement driver if they become medically unfit to drive during a trip, and continuation of journey or return home if their 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

  • 24/7 access to stateside member reps
  • 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 FICO® Score7
Learn More about the benefits included with all Navy Federal credit cards


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

2 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.

3 Taste from American Express® Invites benefit will be open for all American Express® Cardmembers to use on an ongoing basis, unless otherwise noted, subject to the terms and conditions below. This benefit is only redeemable when paid for with an American Express®-branded card. The benefit is fulfilled by making reservation bookings directly with the restaurant in the American Express® Cardmember’s name and is subject to table availability. American Express® Cardmembers can either call or walk in to the restaurant to check availability and book. Cardmembers have to identify themselves as an American Express® Cardmember at the time of booking or before ordering to receive the benefits on the dining day. The benefit is valid for seated dining only and cannot be combined with any other benefit. Each restaurant offers one of the following special offers as stated in their offer details, and this is not negotiable: a complimentary appetizer from the a la carte menu (up to ten guests) or a complimentary bottle of wine (per table) or a discount of 20% on food purchases (up to ten guests) and will be provided by the participating restaurants in accordance with the provisions set out here. The special offer is non-transferable and may not be redeemed for cash. Complimentary appetizer selection may be limited by the restaurant at its discretion and will only be valid when a main course and a dessert are purchased per person. The complimentary bottle of wine is selected by the restaurant and cannot be taken away or consumed off premises. The complimentary bottle of wine will only be valid when a main course per person is purchased. Exclusions may apply. The benefits are limited to one redemption per visit, per American Express® Card, per bill, per table, unless otherwise stated; a restaurant may cap benefit availability to ten guests per booking at its discretion. The benefit is available for lunch or dinner on any day of the week, unless otherwise noted. Blackout dates apply. Please check with individual restaurants when booking. Should an American Express® Cardmember face any issues, including any failure to fulfill the benefit, please contact the relevant restaurant. Alternatively, American Express® Cardmembers may contact American Express® Customer Services by calling the number on the back of their card.

4 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 www.americanexpress.com/us/network/navyfederal/morerewards.html, 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.

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

6 For all Navy Federal Credit Cards: As of 12/2/19, rates range from 7.49% 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.

7 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.