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Get a Low Intro APR for 12 Months on Purchases

Get our Navy Federal More Rewards American Express® Card, and you can get a 1.99% intro APR for 12 months from account opening on purchases. After that, a variable APR between 13.90% and 18% applies.1

The benefits don’t stop there. Earn 3X points on grocery, gas, transit, at restaurant purchases and 1X points everywhere else.2 No one likes annual fees,1 so we don’t charge you every year to use the Card. 

Put those points to good use and redeem them for cash, travel, gift cards and merchandise without expiration while your account is open.

Expires on Feb. 28, 2023


  • 3X points at restaurants and on food delivery
  • 3X points at supermarkets
  • 3X points on gas and transit
  • 1X points on everything else2

Program Description

More Rewards Program Description PDF



As of 02/06/2023, rates range from 13.90% 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. Limit of one promotional offer at account opening. Navy Federal reserves the right to change or end this offer at any time without notice.


Navy Federal More Rewards American Express® Cards earn 3 points for every $1 of net purchases made for gas, transit, restaurants, food delivery and 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.