- Sign-Up Bonus
- 2.5
- Spending Multipliers
- 4
- Credits & Features
- 1
- Fees
- 5
- Application
- 4
- Issuer
- NaN
Summary
- Sign-Up Bonus
- 2.5
- Spending Multipliers
- 4
- Credits & Features
- 1
- Fees
- 5
- Application
- 4
- Issuer
- NaN
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.
Pros
Cons
Issuer
Spending Multipliers
Credits & Features
Application
- You need to be a Navy Federal member to get this card
- Your credit score and history need to be at least average to qualify for this card
- You can check if you pre-qualify before applying
Fees
- No Annual Fee
- No Foreign Transaction Fee
- Up to $20 late fee
- No return payment fee
- 14.15% - 18.00% Variable APR
- 18.00% APR for Cash Advance
- $0.50 domestic or $1.00 foreign cash advance fee, none at Navy Federal ATMs or branch
- No balance transfer fee