Navy Federal More Rewards American Express® Card

Navy Federal Credit Union

Intro Offer

20,000 Bonus Points

Annual Fee

$0

Navy Federal More Rewards American Express Card art

Rewards & Earn Rates

3x

Dining

3x

Grocery

3x

Gas

1x

Other

3 points per $1 at restaurants and on food delivery, at supermarkets, and on gas and transit | 1 point per $1 on everything else

Why We Choose It

The More Rewards American Express Card earns 3 points per $1 at restaurants, supermarkets, and on gas and transit, with no annual fee. Its current offer is 20,000 points after $2,000 in purchases in 90 days, and you need Navy Federal membership to apply. It suits a member who wants one card for everyday household spending.

Pros & Cons

Pros

  • No annual fee
  • 3x points at restaurants, supermarkets, and on gas and transit
  • No balance transfer, foreign transaction or cash advance fees

Cons

  • Navy Federal Credit Union membership is required
  • 14.15% to 18.00% variable APR
  • 1x points outside the bonus categories

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