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Credit Card Review🎖️ Best for Military Members

Navy Federal More Rewards American Express® Card

Issued by Navy Federal Credit Union

3x points at supermarkets, gas stations, restaurants & transit, 1x on everything else — plus 20,000 bonus points (~$200 value) after $2,000 spend in first 90 days.

At a Glance

Annual Fee

$0

Purchase APR

14.15%–18%

Rewards Rate

3x points at supermarkets, gas stations, restaurants & transit, 1x on everything else

Min. Credit Score

660+ (est.)

Sign-Up Bonus

20,000 bonus points (~$200 value) after $2,000 spend in first 90 days

Rates & Fees

Annual Fee

$0

Purchase APR

14.15%–18% variable

Foreign Transaction Fee

None

Balance Transfer Fee

None advertised on this card; confirm current terms with Navy Federal

Cash Advance Fee

Cash advance APR of 18.00%; confirm per-transaction fee with Navy Federal

Late Payment Fee

Up to $29

Estimate Your Rewards

See how this card fits your monthly spending

Enter your typical monthly spend by category to see roughly what the Navy Federal More Rewards American Express® Card would earn you per year (this doesn't include any one-time sign-up bonus).

$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$3,000/mo

Est. Annual Rewards

$462/yr

After $0 Annual Fee

$462/yr

Based On

$1,950/mo

Key Features

Unusually low variable APR range (14.15%–18.00%) for a rewards card

No annual fee and no foreign transaction fees

Membership open to military, DoD employees/contractors, veterans & their families

Pros & Cons

Pros

  • Among the lowest APR ranges of any rewards credit card
  • Strong 3x categories cover everyday essentials
  • No foreign transaction fees, useful for deployed service members

Tradeoffs

  • Requires Navy Federal Credit Union membership to apply
  • 3x categories capped combined at a quarterly limit
  • Fewer transfer partners than major bank travel cards

How to Apply

Check whether your credit profile is a reasonable fit — Navy Federal Credit Union generally looks for applicants around 660+ FICO for the Navy Federal More Rewards American Express® Card, alongside income and existing debt.

Gather your Social Security number, annual income, housing payment, and employer details before starting the application.

Apply directly through Navy Federal Credit Union's official site or app to make sure you're getting current, accurate offer terms.

Most issuers give an instant decision online; some applications are sent to manual review, which can take 7–10 business days.

If approved, activate the card and set up autopay before your first statement is due to avoid a late payment.

How It Compares

Current product highlighted
ProductAnnual FeePurchase APRRewards Rate
Navy Federal More Rewards American Express® Card$014.15%–18%3x points at supermarkets, gas stations, restaurants & transit, 1x on everything else
Citi Double Cash® Card$017.49%–27.49%2% on everything (1% when you buy + 1% when you pay)
American Express® Gold Card$32519.49%–28.49%4x restaurants (up to $50k/yr) & US supermarkets (up to $25k/yr), 5x prepaid hotels, 3x flights
Discover it® Cash Back$017.49%–26.49%5% in rotating quarterly categories (up to $1,500/qtr), 1% everything else

Frequently Asked Questions

What credit score do I need for the Navy Federal More Rewards American Express® Card?

Navy Federal Credit Union generally looks for applicants with a credit score around 660+ for the Navy Federal More Rewards American Express® Card, though approval also depends on your income, existing debt, and overall credit profile — not credit score alone.

What's the annual fee on the Navy Federal More Rewards American Express® Card?

The Navy Federal More Rewards American Express® Card has no annual fee, so there's no ongoing cost to keep the card open.

Does the Navy Federal More Rewards American Express® Card have a sign-up bonus?

Yes — new cardholders can currently earn 20,000 bonus points (~$200 value) after $2,000 spend in first 90 days. Bonus terms and required spend change over time, so confirm the current offer on Navy Federal Credit Union's site before applying.

What fees should I watch for on the Navy Federal More Rewards American Express® Card?

Beyond the annual fee, check the foreign transaction fee (None), balance transfer fee (None advertised on this card; confirm current terms with Navy Federal), cash advance fee (Cash advance APR of 18.00%; confirm per-transaction fee with Navy Federal), and late payment fee (Up to $29). These matter most if you carry a balance, transfer debt, or use the card internationally.

How does the Navy Federal More Rewards American Express® Card compare to similar cards?

The Navy Federal More Rewards American Express® Card is one of several cashback cards worth comparing side by side — see the "How It Compares" table on this page for a few close alternatives, or browse the full list of cashback cards for more options.

Other Credit Cards

Citi Double Cash® Card

2% on everything (1% when you buy + 1% when you pay)

American Express® Gold Card

4x restaurants (up to $50k/yr) & US supermarkets (up to $25k/yr), 5x prepaid hotels, 3x flights

Discover it® Cash Back

5% in rotating quarterly categories (up to $1,500/qtr), 1% everything else

Rates, fees, and rewards shown are illustrative as of 2026 and subject to change — always confirm current terms directly with the issuer before applying.

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