More Rewards American Express® Card Special Offer

As of 06/07/2023, rates range from 14.40% 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 foreign transaction.

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.

Offer valid for cardholders issued new Navy Federal More Rewards American Express® Credit Card accounts. To be eligible for the 25,000 points offer, you must make $3,000 or more in net purchases within 90 days of account opening. Rewards 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, gambling, or fees of any kind, including finance charges, late fees, returned check fees, and ATM cash advance fees. Cash-equivalent transactions, such as the purchase, loading, or reloading of gift and prepaid cards (e.g., money orders, GO Prepaid Cards, and other cash-equivalent gift cards), may not be eligible purchase transactions and may not earn rewards. Please allow up to 8 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 scheduled to post to your rewards balance. Limit of one promotional offer at account opening. Valid for offers applied for between 05/01/2023 and 08/31/2023. Navy Federal reserves the right to change or end this offer at any time without notice.

Statement credit for annual Walmart+ Membership subscription only. Does not apply to monthly Walmart+ Membership Subscription. Annual Walmart+ Membership must be purchased within one year from More Rewards American Express® account opening date to receive the one-time statement credit. Please allow up to 7 days after the Walmart+ Membership fee posts to your account for the $49 credit to post. Your 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 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 net purchases made for gas, transit, restaurants, food delivery, supermarkets, and 1 point for every $1 of other net purchases. Merchant transit categories classified as railway, ferries/water trip, taxis, 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, restaurant, or food delivery 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.

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.