More Rewards American Express^® Card Special Offer

As of 05/15/2025, 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.

As of 05/15/2025, 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. Balance transfer offer: Application must be submitted by 01/01/2026. Offer valid for balances transferred from non-Navy Federal credit cards within 60 days of account opening. Balance transfers are not eligible to earn rewards. Maximum total transfer amount is limited to your available credit line. Balance transfers using convenience checks are excluded from this offer. If you transfer a balance with this offer, interest will be charged on purchases made with your credit card unless your purchases have a 0% APR or you pay the entire balance, including any transferred balances, in full each month by the payment due date. Limit of one promotional offer at account opening. Navy Federal reserves the right to change or end this offer at any time without notice.

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.

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.

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.

Restrictions apply. For more information, please visit Walmart+ Membership Terms of Use.

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.