30,000 Bonus Points and Low Intro APR
on Purchases1

We've turbocharged our More Rewards American Express® Card. Now earn 3X the points at supermarkets, at restaurants and on your commuting expenses.2 Plus, jump-start your rewards with 30,000 bonus points (a $300 value) when you spend $3,000 within 90 days of opening your account.1

Plus, save on interest with a 0% intro APR on purchases for 12 months. After that, a variable APR between 11.65% and 18% applies.3

Expires on Oct. 31, 2019.

Apply Now for the More Rewards American Express credit card


  • 3X points at supermarkets
  • 3X points on gas and transit
  • 3X points at restaurants
  • 1X points on everything else 2

Program Description

More Rewards Program Description


1 Offer valid for cardholders issued new Navy Federal More Rewards American Express® Card accounts. To be eligible for the 30,000 bonus points, you must make $3,000 or more in net purchases within 90 days of account opening. Earn rewards 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, or fees of any kind, including finance charges, late fees, returned check fees, ATM cash advance fees, and annual fees, if any. Cash equivalent transactions, such as the purchase, loading, or reloading of gift and prepaid cards (e.g., money orders, Visa® Buxx Cards, GO Prepaid Cards and other cash equivalent gift cards), may not be eligible purchase transactions and may not earn rewards. Please allow up to eight weeks after the 90-day period for the 30,000 bonus points to post to your rewards balance. Account must be open and not in default at the time the 30,000 bonus points are scheduled to post to your rewards balance. Limit of one promotional offer at account opening. Valid for accounts applied for by 10/31/2019. Excludes Navy Federal Business cards.

2 Navy Federal More Rewards American Express® Cards earn 3 points for every $1 of net purchases made for gas, transit, restaurants, supermarkets, and 1 point for every $1 of other net purchases. Merchant transit categories classified 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 of net purchases. A supermarket, transit, gas station or restaurant 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 at navyfederal.org.

3 As of 9/3/2019, rates range from 11.65% 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.