Navy Federal More Rewards American Express® Card

Rates

Purchase & Balance Transfer Variable
APR Between

10.9% - 18.0%

Credit Card Terms & Conditions

Rates are based on creditworthiness and will vary with the market based on the U.S. Prime Rate.

Cash Advance APR is variable and up to 2% higher than purchase APR, but will not exceed 18%.

Repayment terms are 2% of outstanding balance or $20, whichever is greater.

Rewards

When you open a More Rewards Card account, you'll earn 3 points at supermarkets, 3 points at gas stations, 2 points at restaurants and 1 point on everything else.1

Details:

  • Rewards Expiration: Never while the account is open
  • Rewards Limit: None
Fees

Annual

None

Balance Transfer

None

Foreign Transaction

None

ATM Cash Advance

None at NFCU Branch or ATM. $0.50 domestic or
$1.00 foreign at non-NFCU ATMs.

Save Big With a Low Intro APR* on Balance Transfers

Offer available to new and existing Navy Federal Credit Card cardholders from 1/3/2018 to 2/28/2018.

 

Earn more rewards by shopping with your Navy Federal Credit Card at Member Mall.

 

Redeem your Navy Federal Credit Card rewards.

FEATURES & PROTECTION


*Currently, rates range from 10.9% APR to 18% 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 overseas transaction. Balance transfer offer: Offer valid for balances transferred from non-Navy Federal credit cards during 1/3/2018 and 2/28/2018. Balance transfers are not eligible to earn rewards. Navy Federal reserves the right to refuse duplicate balance transfer requests. Maximum total transfer amount is limited to your approved 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. Offer applies to balance transfers requested within 30 days of account opening. Limit of one promotional offer at account opening. If you transfer a balance to an existing Navy Federal credit card, you will receive a 0% APR on the balance transferred for 12 months. After that, your standard variable purchase APR will apply to any balance remaining. No single balance transfer can be greater than $30,000. You may transfer a balance to an existing Navy Federal credit card by logging into your account online, calling 1-800-842-6328, or visiting a branch office. Must transfer balances to existing accounts by 2/28/2018. Offer excludes Navy Federal Business and Home Equity Line Visa® Platinum credit cards. © 2017 Navy Federal.

1More Rewards Cards earn 3 points for every $1 of net purchases made at supermarkets and gas stations, 2 points for every $1 of net purchases made at restaurants, and 1 point for every $1 of other net purchases. A More Rewards Card supermarket, 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 be ineligible, in which case you will 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. 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, or fees of any kind, including finance charges, late fees, returned check fees, ATM cash advance fees, and annual fees, if any. Navy Federal cash equivalent transactions, such as the purchase, loading or re-loading of Navy Federal gift and prepaid cards (e.g., Navy Federal gift cards, Visa Buxx Cards, GO Prepaid Cards), are also not eligible purchase transactions and do not earn rewards.

2Program excludes Navy Federal Business and Home Equity Line Visa Platinum credit cards and Navy Federal Debit Cards.

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.

Entertainment Access1

Get early access to purchase tickets for shows, sports and concerts nationwide, all year round. You can take advantage of presale tickets and special events, experiences, and offers when you purchase tickets with your card through the Entertainment website. Plus, you can also sign up for email alerts to find out about upcoming events. 


Global Dining Program2

Get special savings and complimentary benefits at restaurants you love. Each restaurant offers something extra on the house: either a discount, complimentary wine or appetizer.

For terms and conditions, see the More Rewards American Express Card Program Description.


Up to 25% Off Car Rental3 Plus Car Rental Loss & Damage Insurance

Get competitive rates and valuable offers up to 25% off with major car rental companies worldwide. Plus, receive coverage against damage to or loss of a rental automobile rented in the USA or Canada with the Navy Federal More Rewards American Express Card.

Phone: 1-866-643-6873; Worldwide Collect: 312-935-9241
Available 24 hours a day, 365 days a year


Roadside Assistance

Provides roadside assistance, towing and transport if the Covered Person's car becomes unusable while traveling, vehicle replacement while the Covered Person's car is being repaired, a replacement driver if the Covered Person becomes medically unfit to drive during a trip, and continuation of journey or return home if the Covered Person's car is lost or unusable.

Phone: 1-866-643-6873; Worldwide Collect: 312-935-9241
Available 24 hours a day, 365 days a year


1Offer valid in select cities. During the specified sales period, tickets are available exclusively to all American Express Cardmembers (including Prepaid and International Cards). Tickets must be purchased with an American Express Card (including Prepaid and International Cards). Standard service charges apply. Offer is subject to availability. Not all seats are available and blackout dates apply. All sales final. No refunds. No exchanges. Offer may be changed or revoked at any time at the sole discretion of American Express. Some events may not be accessible to Cardmembers with disabilities.

2Taste from American Express Invites benefit will be open for all American Express Cardmembers to use on an ongoing basis, unless otherwise noted, subject to the terms and conditions below. This benefit is only redeemable when paid for with an American Express branded card. The benefit is fulfilled by making reservation bookings directly with the restaurant in the American Express Cardmember’s name and is subject to table availability. American Express Cardmembers can either call or walk in to the restaurant to check availability and book. Cardmembers have to identify themselves as an American Express Cardmember at the time of booking or before ordering to receive the benefits on the dining day. The benefit is valid for seated dining only and cannot be combined with any other benefit. Each restaurant offers one of the following special offers as stated in their offer details and this is not negotiable: a complimentary appetizer from the a la carte menu (up to ten guests) or a complimentary bottle of wine (per table) or a discount of 20% on food purchases (up to ten guests) and will be provided by the participating restaurants in accordance with the provisions set out here. The special offer is non-transferable and may not be redeemed for cash. Complimentary appetizer selection may be limited by the restaurant at its discretion and will only be valid when a main course and a dessert are purchased per person. The complimentary bottle of wine is selected by the restaurant and cannot be taken away or consumed off premises. The complimentary bottle of wine will only be valid when a main course per person is purchased. Exclusions may apply. The benefits are limited to one redemption per visit, per American Express Card, per bill, per table, unless otherwise stated; a restaurant may cap benefit availability to ten guests per booking at its discretion. The benefit is available for lunch or dinner on any day of the week, unless otherwise noted. Blackout dates apply. Please check with individual restaurants when booking. Should an American Express Cardmember face any issues, including any failure to fulfill the benefit, please contact the relevant restaurant. Alternatively, American Express Cardmembers may contact American Express Customer Services by calling the number on the back of their card.

3The Car Online Booking Tool is provided by ALTOUR. Lowest available rate refers to the lowest rate available across booking channels and must be available in the Global Distribution System during the booking date for the same booking being requested through CONNECT. Discount may apply on select rentals and varies by rental date, location and vehicle type. Individual offers are brought to you by participating merchants and are subject to the merchant’s terms, conditions and restrictions, which vary per offer and are subject to change. Cancellation policies, payment policies and all other booking conditions will be advised at the time of booking. Blackout dates may apply. All reservations and offers are based on availability and are subject to taxes and assessments. Offer expiration dates vary. To qualify, purchase must be booked by calling 1 (855) 327-1403 or online at www.americanexpress.com/us/network/navyfederal/morerewards.html, and must be made on a valid Navy Federal More Rewards American Express® Card. CONNECT searches will include all major car rental companies, but results may vary depending on destination and/or itinerary requested. Offer cannot be combined with other offers, promotions, discounts or programs, and may not be redeemed for cash. The CONNECT program may be terminated at any time. Neither American Express, its subsidiaries and affiliates, nor Navy Federal are responsible for the products or services offered by participating merchants and service providers, and shall not be liable for the products or services provided in connection with any offer. ALTOUR’s California State Seller of Travel Registration Number is: 2033020-10. ALTOUR’s Iowa State Seller of Travel Registration Number is: 1139.

See the More Rewards Program Description for restrictions and exclusions. For more information, please refer to the Navy Federal More Rewards American Express® Card Guide to Benefits. For a copy of the guide, please call 1-888-842-6328 or the appropriate international phone number.

For more information, please refer to the More Rewards American Express Card Guide to Benefits.

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.

Account Management

How can I manage my credit card account?

Sign in to Online Banking or visit our secure mobile website on any mobile device to view and manage your account.

Can I add an authorized user to my account?

Yes, you can add up to four authorized users. An authorized user is someone who can make purchases with your credit card but who isn’t an account owner. An authorized user is not financially responsible for the account, but is reported to the credit bureaus as being authorized to use your account.

What information do I need to add an authorized user to my account?

You’ll need to provide the authorized user’s Social Security Number, date of birth, their address and the name that should be printed on the card.

How do I add an authorized user to my account?

To get started, please send us a secure message through Online Banking or call us at 1-888-842-6328.

Credit Line Increases

How can I request a credit line increase?

Sign in to Online Banking to submit your line increase request. If you prefer, you may send us a secure message through Online Banking or call us at 1-888-842-6328.

What information do I need to request a credit line increase?

You’ll need:

  • employment information
  • income details
  • housing expenses

Will you pull my credit report?

Yes. When you submit a credit line increase application, you'll be asked to give Navy Federal permission to obtain a consumer credit report so we can evaluate your creditworthiness.

Why was my recent credit line increase request denied?

The most common reasons for denial are listed below. However, for specific reasons please refer to the letter we sent you informing you of the denial. If you have any questions regarding the notice you received, please send us a secure message through Online Banking or call us at 1-888-842-6328.

If your letter says…Explanation
Your Navy Federal account is too newWe like to see at least three months of on-time payments on an existing Navy Federal Credit Card account before approving an increase to its credit line.
There has recently been a change to the credit line on this accountWe generally grant credit line increases on an existing credit card account no more than once every six months.
Delinquent past or present credit obligations with othersYour credit report shows you’ve paid one or more creditors late.
Income insufficient for amount of credit requestedBased on information provided in your application, your current credit line is appropriate given your stated income.
Excessive credit obligationsYour credit report shows high utilization of revolving lines.
Excessive credit obligations in relation to incomeYour total monthly payment obligations exceed our debt-to-income standards.

Security & Privacy

How do I request a new or replacement card and PIN?

To get started on this, please send us a secure message through Online Banking or call us at 1-888-842-6328.

How can I report a lost or stolen credit card?

If your card is lost or stolen, or you suspect you’re a victim of fraud or identity theft, please call us immediately at 1-888-842-6328 or send us a secure message through Online Banking. We’ll put an immediate hold on your account.

What’s a chip card?

Chip-enabled cards have an embedded chip on the front, which securely transfers your account data to merchants through a chip-enabled card reader. Both the chip and the transaction are heavily encrypted. This makes it more difficult for your account to be compromised.

What are my Digital Wallet options?

We offer Apple Pay, Android Pay and Samsung Pay for use in stores and Visa Checkout® and Masterpass for online purchases. Digital Wallets provide a secure alternative to entering your Navy Federal card information. At a register, simply wave your phone at the terminal to pay. Online, you’ll quickly sign in to avoid typing your card and contact information. Enrolling is easy.

Disputes & Fraud Claims

What's the difference between a billing dispute and a fraud claim?

A billing dispute is when you tell us that you believe there's an error regarding a transaction or calculation, or when you tell us you have a concern as to the property or goods purchased with your credit card. For example, you believe you’ve been overcharged or you haven’t received the product or service for which you paid.

A fraud claim is when you tell us you did not authorize a transaction appearing on your account. For example, you believe you were charged for something you didn't authorize.

How do I file a billing dispute?

Sign in to Online Banking to complete our dispute form or call 1-888-842-6328.

How do I report fraud on my account?

To prevent further fraudulent charges, please call us immediately at 1-888-842-6328 or send us a secure message through Online Banking so we can put a hold on your account and discuss further details regarding your case. You may also report fraud by signing in to Online Banking, selecting “Account Services” and then selecting “Report Fraud” in the “Online Account Management” section.

How long will it take to resolve my billing dispute or fraud claim?

The length of time varies. Resolution will occur within two complete billing cycles (but in no event later than 90 days) from the date you notify us to complete our investigation and report the results back to you.

Balance Transfers

How do I transfer a balance from another credit card to my Navy Federal Credit Card?

To get started, visit the "Transfers" tab along the top menu in Online Banking or call us at 1-888-842-6328.

What information do I need to submit a balance transfer?

You’ll need:

  • the name and address of the other financial institution (Navy Federal accounts are excluded)
  • your account number at that financial institution
  • the amount you’d like to transfer

When will the balance transfer post to my account?

For new accounts, it typically takes between 10 and 14 days after your account is opened for the balance transfer to post to your account. Continue to make your minimum payments in the interim.

For existing accounts, it typically takes between 3 and 5 days.

Rates and Payments

What’s the U.S. Prime Rate?

It’s a benchmark interest rate used by financial institutions to set rates on consumer loan products (such as credit cards). The U.S. Prime Rate is based upon, and generally changes with, the Federal Reserve’s Fed Funds Rate. You can find the current U.S. Prime Rate in the money rates column of The Wall Street Journal.

What’s APR?

APR (annual percentage rate) is the rate of interest you'll pay on your credit card annually.

What’s the APR for my credit card?

You can find the APR on your periodic credit card statements for that billing period or via Mobile or Online Banking.

How is the variable APR for my credit card determined?

Your Standard variable APR is determined and adjusted monthly on the first business day of the month by adding a Margin to the U.S. Prime Rate published in The Wall Street Journal on the first day of the previous month. Your Margin is a percentage amount that we determine based on an evaluation of your credit history. Your cash advance rate is 2% higher than your Standard APR, not to exceed the amount specified in your Account Agreement. Currently, APRs for federal credit union loans are capped at 18%.

For example: If the U.S. Prime Rate is 4% and your Margin is 5%, then your variable APR for purchases, balance transfers and convenience checks will be 9% APR (4% Prime Rate + 5% Margin = 9% APR). Your APR for cash advances will be 11% APR (4% U.S. Prime Rate + 5% Margin + 2% cash advance added rate = 11% APR).

When does interest apply?

Interest applies only to your credit card’s outstanding balance at the time your account cycles. Your payment due date is 25 days after the close of each billing cycle. If you pay your entire balance by the due date each month, you aren’t charged interest on your purchases. For cash advance, balance transfer, and convenience check transactions, interest is assessed from the date the transactions post to your account.

Travel

Will I be charged any additional fees for using my credit card overseas?

No. We don’t charge foreign transaction fees on any of our credit cards; however, we do charge fees for obtaining cash advances using non-Navy Federal ATMs in the U.S. and in foreign locations.

What should I do before traveling to safeguard my credit card account?

You can set up a Travel Notification through our mobile app* or send us a secure message through Online Banking. Be sure to let us know the dates you’ll be traveling, where you’re going and any layovers.

Already have the card? Sign in to view your transactions and redeem points. Don't have digital banking? Sign up now.