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Navy Federal More Rewards American Express Card – Full Review [2024]

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Kellie Jez
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Kellie Jez

Director of Operations & Compliance

6 Published Articles 1193 Edited Articles

Countries Visited: 10U.S. States Visited: 20

Kellie’s professional experience has led her to a deep passion for compliance, data reporting, and process improvement. Kellie’s learned the ins and outs of the points and miles world and leads UP’s c...
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Updated: 
Edited by: Stella Shon
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Stella Shon

News Managing Editor

114 Published Articles 773 Edited Articles

Countries Visited: 25U.S. States Visited: 22

With a degree in media and journalism, Stella has been in the points and miles game for more than 6 years. She most recently worked as a Corporate Communications Analyst for JetBlue. Find her work in ...
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We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

Navy Federal More Rewards American Express® Card
Terms Apply / Rates & Fees

Navy Federal More Rewards American Express® Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Star rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating icon4.25
Learn More(at NFCU's secure site)

  • 30,000 bonus points

  • $0

  • 15.90%-18.00% Variable APR

Navy Federal More Rewards American Express® Card

The Navy Federal More Rewards card is a great everyday spending earning card: 3x points at supermarkets, on gas and transit, at restaurants, plus 1x points on everything else.

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Star rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating icon4.25
Learn More(at NFCU's secure site)

We like the Navy Federal More Rewards American Express® Card because it offers 3x points on groceries, gas, transit, and restaurants, with no annual fee or foreign transaction fees. Additionally, it is available to Navy Federal Credit Union members, making it an excellent option for veterans to maximize rewards on everyday spending.

Card Snapshot

Welcome Bonus & Info

  • New cardholders can get a 1.99% intro APR for 12 months from account opening on balances transferred within 60 days. Plus, new cardholders can earn 30,000 bonus points (a $300 value) when you spend $3,000 within 90 days of account opening. Additionally, they can get a one-time $98 statement credit when they pay $49 or more for an annual Walmart+ membership. Offer valid for accounts applied for between 7/1/2024-1/1/2025.
  • Maximize your everyday spending.
  • 3x points at supermarkets, gas, transit, and restaurants.
  • 1x points on everything else.
  • No annual fees, no balance transfer fees, no foreign transaction fees, no cash advance fees.
  • No limit on rewards.
  • Points can be redeemed for cash, travel, gift cards, and merchandise.”

Pros

  • No annual fee
  • 3x points at restaurants
  • 3x points at supermarkets
  • 3x points on gas
  • 3x points on transit

Cons

  • You must be a Navy Federal Credit Union member to be eligible
  • No o% intro APR available on purchases

Upgraded Points: Expertise You Can Trust

Our seasoned and experienced team brings years of expertise in the credit card and travel sectors. Committed to integrity, we offer data-driven guides to help you find the card(s) that best fit your requirements. See details on our intensive editorial policies and card rating methodologies.

  • Content by Leading Industry Experts
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  • Methodical “U.P. Rating

    The U.P. Rating System

    The ratings for these cards have been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
    ” System
  • 1060+ Expert Credit Card Guides

Great Card If

  • Looking for a card with loads of everyday spending bonus categories
  • Want a no-annual-fee card (rates & fees)
  • Interested in a card without balance transfer fees, foreign transaction fees, and cash advance fees (rates & fees)

Don’t Get If

  • You want a cash-back earning card
  • The bonus categories don’t fit your spending habits

What Benefits Do You Get With the Navy Federal More Rewards Card?

When it comes to everyday spending categories, the Navy Federal More Rewards American Express® Card is a contender. With this card, you’ll earn:

  • 3x points at restaurants
  • 3x points at supermarkets
  • 3x points on gas
  • 3x points on transit
  • 1x on everything else

Redeem your points for cash, travel, gift cards and merchandise.

Not only does the card come with a good earning structure, but the card also offers entertainment access, travel discounts, roadside assistance, and up to 25% off car rental (plus car rental loss & damage insurance).

Alternative Cards to the Navy Federal More Rewards Card

GO REWARDS® Credit Card

If you like the straightforward, everyday earning of the Navy Federal More Rewards card, but might not get all the benefits from the bonus categories, the GO REWARDS credit card is one to consider. This card earns 3x points at restaurants, 2x points on gas, and 1x points on everything else. It’s as easy as 3, 2, 1!

Wells Fargo Autograph℠ Card

Similar to the Navy Federal More Rewards card, the Wells Fargo Autograph Card offers 3x points at restaurants, gas stations, and transit, but also offers 3x on travel, popular streaming services, and phone plans; all for no-annual-fee (rates & fees).

Furthermore, the card comes with other perks like cell phone protection, and Auto Rental Collision Damage Waiver.

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About Kellie Jez

Kellie’s professional experience has led her to a deep passion for compliance, data reporting, and process improvement. Kellie’s learned the ins and outs of the points and miles world and leads UP’s compliance operation.

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