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Get a Low Intro APR for 12 Months on a Balance Transfer + Earn 30K Bonus Points

A transfer could be your answer to controlling credit card debt. 

Transfer your non-Navy Federal balance to a More Rewards Card within 60 days of opening an account, and you could save with a 1.99% intro APR on that transferred balance for 12 months from account opening. After that, a variable APR between 14.90% and 18% applies.2

Plus, with a Navy Federal More Rewards American Express® Card in your wallet, you can earn 30,000 bonus points when you spend $3,000 within 90 days of account opening.3

And, for a limited time, you can get a one-time $98 statement credit when you pay $49 or more for an annual Walmart+ membership.4

Expires on Jun. 30, 2024

Rewards

  • 3X points at restaurants and on food delivery5
  • 3X points at supermarkets5
  • 3X points on gas and transit5
  • 1X points on everything else5

Program Description

More Rewards Program Description PDF

For a limited time, get a one-time $98 statement credit when you pay $49 or more for an annual Walmart+ membership using your More Rewards Credit Card. (Normally, annual Walmart+ memberships are $98.)4

With a Walmart+ membership, you can enjoy:6

  • Free delivery from your store

  • Discounts on gas at over 14,000 participating locations nationwide

  • Early access to promotions and events

Transfer Your Balances and Save

See how much you could save with the Navy Federal More Rewards Card.

Issuer & Product Lowest Variable APR Highest Variable APR Standard Balance Transfer Fee Foreign Transaction Fee
Navy Federal More Rewards 14.90%2 18.00%2 0%2 0%2
SavorOne 19.99%†† 29.99%†† 3%†† 0%††
Wells Fargo Autograph  20.24%†† 29.99%†† 3%†† 0%††
Citi Premier  21.24%†† 29.24%††  5%†† 0%††

Excludes card issuers’ special promotions, rates, and fees.

††Information accurate as of 03/11/2024. Refer to card issuers for current rates and fees.

Disclosures

1

As of 05/30/2024, 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.

2

As of 05/30/2024, 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 06/30/2024. 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.

3

Offer valid for cardholders issued new Navy Federal More Rewards American Express® Card accounts. To be eligible for the 30,000 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 30,000 points to post to your rewards balance. Account must be open and not in default at the time the 30,000 points are scheduled to post to your rewards balance. Limit of one promotional offer at account opening. Offer valid for accounts applied for between 05/01/2024 and 06/30/2024. Navy Federal reserves the right to change or end this offer at any time without notice.

4

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.

5

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.

6

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

Walmart+ is a registered trademark of Walmart Apollo, LLC.

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.