Am I eligible?
To get this card, you must also:
Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.
What the Critics Are Saying...
- Aaron Hurd, Robin Saks Frankel, ForbesThe Navy Federal More Rewards American Express® Card* is a solid pick among credit cards for everyday spending. Among no-annual-fee credit cards, earning an uncapped 3 points per dollar on groceries, gas, transit and dining is best-in-class. Earnings on this card are easy to redeem for cash back sta...
- Melissa Lambarena, Kimberly Palmer, NerdWalletIf you qualify for membership at Navy Federal Credit Union, this card can earn easy rewards on groceries, gas, dining and transit. For a card that travels well, look elsewhere.
- Robin Saks Frankel, BankrateNavy Federal Credit Union’s first partnership with American Express is a no annual fee rewards card that pays big on everyday spending—the Navy Federal More Rewards American Express Card. For those who spend a lot on groceries and gas, the unlimited earnings structure of this card makes it a terrifi...
- Ben Luthi, InvestopediaIf you’re eligible to apply for the Navy Federal More Rewards American Express card, it may be worth considering if your spending aligns with its bonus categories. Just keep in mind that you may be able to get more value with another rewards credit card, depending on how you spend your money and the...
- Rebecca Lake, MyBankTrackerThe Navy Federal More Rewards American Express Credit Card is a good card for earning rewards on everyday spending with no limits or annual fee. If you're a Navy Federal credit union member or you're eligible for membership, it's worth considering whether it fits with your spending style.
Details
| Interest Rates | |
|---|---|
| Regular APR Interest Rate |
14.9% ‐ 18% (Variable) This APR will vary with the market based on the Prime Rate. |
| Balance Transfer Interest Rate |
14.9% ‐ 18% (Variable) This APR will vary with the market based on the Prime Rate. |
| Cash Advance Interest Rate |
16.9% ‐ 20% (Variable) This APR will vary with the market based on the Prime Rate. |
| Rates & Fees | |
| Annual Fee | $0.00 |
| Balance Transfer Fee | $0.00 |
| Cash Advance Fee | $0.00 |
| Foreign Transaction Fee | $0.00 |
| Over Limit Fee | $0.00 |
| Late Payment Fee |
$20.00 Maximum |
| Promotions | |
| Sign up bonus |
20000 points after spending $1,500
|
| Rewards | |
| All Purchases | 1 point per $1 spent |
| Restaurants |
3 points per $1 spent Including food delivery |
| Gas | 3 points per $1 spent |
| Groceries | No |
| Hotels | No |
| Travel | No |
| Pharmacy | No |
| Bills | No |
| Additional Details |
3 points per $1 spent on supermarkets and transit |
| Features & Benefits | |
| Additional Card Holders | Yes |
| Travel Accident Insurance | No |
| Car Rental Insurance | Yes |
| Car Rental Discount | Yes |
| Extended Warranty | Yes |
| Purchase Protection | Yes |
| Zero Liability | Yes |
| No Foreign Transaction Fees | Yes |
| Emergency Assistance | No |
| Concierge Service | No |
| Price Protection | Yes |
| Fraud Protection | Yes |
| Free Credit Scores | Yes |
| Wireless Payments | No |
| Virtual Cards | No |
| Additional Benefits |
|
| Eligibility | |
| Minimum Security Deposit | $0 |
| Minimum Age | 18 |
| Minimum Personal Income | |
| Temporary Residents | No |
| More | |
| Additional comments | - |
| Terms & Conditions | Official Terms & Conditions |
| Suggest a correction |
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.
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