Navy Federal More Rewards American Express Card Review: 3x Points Across Everyday Categories for Eligible Navy Federal Members

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Navy Federal More Rewards American Express® Card Navy Federal More Rewards American Express® Card
Editor’s Score: (N/A)
Learn more externa link icon At our partner’s secure site.
Navy Federal More Rewards American Express® Card
Editor’s Score: (N/A)
  • Intro bonus:
    25,000 points
  • Annual fee:
    $0
  • Regular APR:
    9.65% – 18.00% (Variable)
  • Recommended credit score:
    740-850 (Excellent)

NextAdvisor’s Take

Pros
  • Generous rewards rate in everyday categories
  • No annual fee, balance transfer fees, cash advance fees or foreign transaction fees
  • Flexible redemptions for rewards
Cons
  • Navy Federal Credit Union membership required
  • No introductory 0% APR
The Bottom Line
The Navy Federal More Rewards American Express Card offers 3x points on gas and transit, dining at restaurants and food delivery, and at supermarkets — without an annual fee. Plus, there are no balance transfer fees or cash advance fees. But you must be a Navy Federal Credit Union member to apply.

Additional Card Details

  • Variable APR of 9.65% to 18.00%
  • Roadside assistance and entertainment access through American Express
  • Qualify for a 25% discount on eligible car rentals
  • Up to 30% off select hotel bookings through Booking.com on Amex Benefits platform
  • Car rental loss and damage insurance
  • Free credit score access through your online account

Navy Federal More Rewards American Express Card Full Review

Card Type

The Navy Federal More Rewards American Express Card is a rewards credit card that earns bonus points in several everyday spending categories. 

You must be a member of Navy Federal Credit Union to qualify. To become a member, you or someone in your household must have a connection to the armed forces, U.S. Department of Defense, or National Guard. You can find out more about eligibility on Navy Federal’s website.

Pro Tip

This card offers prequalification, so you can see whether you qualify without undergoing a hard credit check.

Annual Fee

This card does not charge an annual fee.

Welcome Offer

You can earn 25,000 bonus points (valued at $250) after spending at least $3,000 on purchases within 90 days of opening an account.

Introductory Offer

This card offers no introductory APR on new purchases or balance transfers. 

Rewards

The Navy Federal More Rewards American Express Card is an excellent credit card for everyday spending. You’ll earn 3x points at restaurants (including food delivery), supermarkets, gas stations, and transit, and 1x points on other purchases.

There’s no limit to the amount of rewards you can earn, and points don’t expire as long as your account is open. When you’re ready to redeem, you can choose between several redemption options, including cash back, travel, gift cards, and merchandise.

While this card is on the American Express network, the points you earn are not American Express Membership Rewards points. If you’re looking for a Membership Rewards-eligible card, consider other American Express credit cards.

Fees

The Navy Federal More Rewards American Express Card stands out for its lack of fees compared to some other rewards cards. There’s no annual fee, no foreign transaction fees, no cash advance fees, and no balance transfer fees.

A variable APR of 9.65% to 18.00% will apply if you carry a balance on your card. If you make a late payment, a late fee or returned payment fee of up to $20 can apply, as well as a penalty APR up to 18%.

Other Benefits

Before you apply, you can see if you prequalify for this card on Navy Federal’s site. That means you can check your chances of approval before you submit your application and undergo a hard credit check — which can affect your credit score.

This card comes with a few more notable perks, including roadside assistance, entertainment access via Amex, and car rental loss and damage insurance. You’ll also qualify for a 25% discount on eligible car rentals, and have access to fraud notifications and a free credit score through your account.

Benefits of Navy Federal More Rewards American Express Card

The Navy Federal More Rewards American Express Card’s biggest benefit is the 3x points you can earn across popular spending categories. Plus, rewards are flexible, since you can redeem your points for cash back, statement credits, travel, gift cards, or merchandise. Each point is worth one cent, so 25,000 points can be redeemed for $250 in airfare, statement credits, and more.

Finally, you may be able to qualify with a good credit score or better (a FICO score of 670 and up). If you’re not sure about your approval odds, you can also see if you prequalify before submitting your application.

Drawbacks of Navy Federal More Rewards American Express Card

The first potential downside of this card is the fact not everyone is eligible. For the most part, membership is only available to active duty military members, retired military and veterans. Others who may be eligible to join include family members of current military members and Department of Defense civilians.

And even though this card charges no balance transfer fees, it’s not a good option for debt payoff. That’s because there’s no introductory 0% APR offer for balance transfers. If you have debt you want to pay down, consider other balance transfer credit cards that offer 0% APR on transferred balances for up to 21 months. 

How to Use Navy Federal More Rewards American Express Card

Start maximizing your rewards by using your card for your regular spending after you’re approved — if you spend at least $3,000 on purchases within 90 days of account opening, you can earn 25,000 in bonus points right off the bat.

Long-term, use your Navy Federal More Rewards American Express Card for all your everyday purchases and bills. You’ll get unlimited 3x points on dining, groceries, gas, and transit purchases, which can help you maximize common budget items.

When you’re ready to redeem, you can expect to get 1 cent per point. If you’re looking for simplicity, that means you may want to choose cash or statement credit redemption options. However, you can also consider travel (incuding airline, hotel, and rental car bookings), gift cards, or merchandise when you redeem.

The most important thing to keep in mind as you charge purchases to your card is to spend only what you know you can afford to pay off when your statement is due. You can quickly wipe out any rewards you earn by carrying a balance and accruing interest on your debt.

Navy Federal More Rewards American Express Card Compared to Other Cards

Navy Federal More Rewards American Express® Card

Navy Federal More Rewards American Express® Card

Editor’s Score: (N/A)
  • Intro bonus:
    25,000 points
  • Annual fee:
    $0
  • Regular APR:
    9.65% – 18.00% (Variable)
  • Recommended credit:
    740-850 (Excellent)
  • Learn more externa link icon At our partner’s secure site
Citi Rewards+® Card

Citi Rewards+® Card

Editor’s Score: (3.7/5)
  • Intro bonus:
    20,000 points
  • Annual fee:
    $0
  • Regular APR:
    13.49% – 23.49% (Variable)
  • Recommended credit:
    670-850 (Good to Excellent)
  • Learn more externa link icon At our partner’s secure site
Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

Editor’s Score: (4.5/5)
  • Intro bonus:
    60,000 points
  • Annual fee:
    $95
  • Regular APR:
    15.99%-22.99% Variable
  • Recommended credit:
    670-850 (Good to Excellent)
  • Apply Now externa link icon At Chase’s secure site

Is the Navy Federal More Rewards American Express Card Right for You?

Editorial Independence

As with all of our credit card reviews, our analysis is not influenced by any partnerships or advertising relationships.

If you’re eligible for Navy Federal Credit Union membership, and you’re looking for a card with great rewards on everyday spending, the Navy Federal More Rewards American Express Card could be right for you. Its straightforward 3x rewards in common spending categories and flexible redemption options also make this a good option for anyone who values simplicity. And if a large portion of your monthly budget goes toward groceries at the supermarket, gas, transit, and dining at restaurants or ordering food delivery, you can quickly maximize points where you spend most. 

Still, before you apply, don’t forget to compare this card to other rewards credit cards and cash back credit cards that may be better suited to your individual spending or credit goals.

Frequently Asked Questions (FAQ)

Is the Navy Federal More Rewards American Express Card a real American Express card?

Yes, the Navy Federal More Rewards American Express Card is an American Express credit card. However, the points you earn with this card are not eligible for redemption within the Amex Membership Rewards program.

How do I redeem my American Express points from Navy Federal?

You can redeem your rewards for cash back, a statement credit, gift cards, travel or merchandise.

Do you have to be in the military to get the Navy Federal More Rewards American Express Card?

You have to meet Navy Federal Credit Union membership requirements to get the Navy Federal More Rewards American Express Card, which includes military membership or an eligible affiliation.

How much are Navy Federal More Rewards American Express Card points worth?

Each point you earn is worth one cent, so 10,000 points are worth $100.