Navy Federal More Rewards American Express Card

The Navy Federal More Rewards American Express Card from Navy Federal Credit Union is a no-annual-fee rewards credit card tailored for Active Duty and retired military members, veterans, eligible family members, and Department of Defense civilian personnel who want elevated rewards on everyday essentials. Designed for households that spend heavily on groceries, gas, dining, and transit, this card offers strong bonus categories while charging no foreign transaction fees, no balance transfer fees, and no cash advance fees—making it especially valuable for military families stationed overseas. Although it earns just 1x points on non-bonus purchases, the added travel perks, including up to 30% off select hotels, up to 25% off car rentals, and Car Rental Loss and Damage insurance, enhance its appeal for service members who travel frequently. For eligible military consumers seeking a category-focused rewards card with valuable travel discounts and minimal fees, the Navy Federal More Rewards card delivers solid everyday value.

Issuer

Navy Federal Credit Union, established during the Great Depression by Navy Department employees, serves the financial needs of its 13 million member-owners, including military personnel, veterans, DoD employees, and their families. As the largest US credit union, it operates 354 branches worldwide in 26 countries. Offering a comprehensive range of financial products, including savings, checking, CDs, credit cards, and various loans, Navy Federal Credit Union emphasizes affordability and manageable terms. With approximately $181 billion in assets and $14 billion in annual revenue in 2024, the credit union stands as a financially stable institution. Committed to corporate social responsibility, Navy Federal prioritizes its people, purpose, and the planet, fostering employee well-being, improving members' financial health, and adopting sustainable business practices. The credit union's partnerships, such as with Alacriti for real-time payments, highlight its dedication to innovation. Navy Federal Credit Union's mission centers on member-focused, not-for-profit principles, guided by values of Service, Integrity, and Community. NCUA insured and an equal housing lender, Navy Federal Credit Union maintains regulatory compliance.

Spending Multipliers

Credits & Features