Navy Federal More Rewards American Express® Card Review

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If you devote a big portion of your budget to food and transportation, you’re unlikely to find a more rewarding and affordable option than Navy Federal Credit Union’s More Rewards American Express® card. You don’t need stellar credit to qualify for the More Rewards card, either.

Navy Federal More Rewards American Express® Card

Overall Rating
Navy Federal More Rewards American Express® Card
Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Poor - Excellent
Regular APR (%) 9.65% - 18% variable
Annual Fee $0
Rewards Earning Rate 3 points per dollar at gas stations, supermarkets, restaurants and commuting expenses. 1 point per dollar on all other purchases.
Foreign transaction fee (%) 0%
Ratings Breakdown
for Interest
for Fees
for Rewards
for Credit
Current Offer

Earn 15,000 bonus points (a $150 value) when you spend $2,000 within 90 days of account opening. Expires on August 31, 2021.

Who Is This Credit Card Best For?

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    Savvy Saver

Anyone who spends a fair amount of money on food and transportation should be able to get a lot of value out of this generous everyday spending card. Families with long commutes and a lot of mouths to feed will likely get the most value out of the More Rewards American Express card—especially since, unlike some no-annual-fee cards, it doesn’t cap rewards on groceries and other bonus categories. 

Public transit riders will also appreciate the More Rewards card: It’s rare to find a card that offers such big rewards on public transportation purchases.

Unlike most competitors, the More Rewards American Express card isn’t just for people with excellent credit, either. It’s open to a wide range of potential borrowers, including consumers with average credit. 

However, you do need to have some connection to the military or the Department of Defense to qualify for Navy Federal Credit Union membership.

  • Great rewards at supermarkets, restaurants, and gas stations

  • Flexible transportation rewards

  • Low ongoing interest rate and few fees

  • Available to consumers with “average” credit

  • Credit union membership required

  • No points transfer to travel partners

Pros Explained

  • Great rewards at supermarkets, restaurants, and gas stations: The More Rewards card is unique in that it offers a high rewards earning rate on all three of the most common everyday spending categories (plus 1 point for every $1 on everything else). And there’s no cap on earnings in those categories.
  • Flexible transportation rewards: Whether you ride to work on a subway, bus, or ferry, or drive on a tollway, you’ll earn 3 points per $1 spent on your commute and weekend travels, no matter how you get around. Public parking, taxis, and limousines are included, too. The More Reward’s card’s expansive transportation rewards are unusual for a low-cost everyday reward card.
  • Low ongoing interest rate and few fees: For such a high-value card, you’d expect to see a higher interest rate or bigger fees to help pay the cost of maintaining the rewards program. However, its APR is significantly lower than average. The card also waives most fees, including balance transfer, cash advance, and foreign transaction fees. 
  • Available to consumers with “average” credit: The More Rewards card is one of the only competitive rewards cards available that accepts cardholders with average credit.

Cons Explained

  • Credit union membership required: To be a member and get this card, you need to be connected to the military or to the Department of Defense (for example, as an active-duty service member, retiree, veteran, a family member of one of those, or a civilian employee of the DOD).
  • No points transfer to travel partners: You can often boost the travel value of a credit card rewards point by transferring it to an airline or hotel rewards program. But unlike some card issuers, Navy Federal Credit Union doesn’t have any transfer partners.

Bonus for New Cardholders

If you can spend $2,000 within the first 90 days of having your account, you can earn a 15,000 point welcome bonus that arrives in your rewards account within eight weeks. The card’s below-average bonus spending requirement is nice, but the bonus value is about half of what similar no-annual-fee rewards cards are offering right now.

The spending requirement shouldn't be an issue if you can spend at least $666 a month. But, remember, the 90-day deadline begins the day your account is open, not the day you receive the card in the mail.

Earning Points & Rewards

The More Rewards card offers a generous 3 points for every dollar you spend on groceries, gas, transportation, and dining. You earn 1 point per dollar spent on everything else.

If you regularly spend $500 a month on groceries, $200 a month on gas, and $200 on dining, you’ll easily earn more than $300 worth of rewards annually—just from your restaurant, gas, and grocery spending. If you have a big budget and spend a lot on fine dining, you could earn a lot just from that. For example, if you spend $1,000 a month on dining, you’ll earn $360 worth of rewards every year just from your restaurant purchases. Your total would be even higher with your non-dining spend added in.

Points are unlimited, so you won’t have to worry about reaching a cap that limits your earnings potential. Your rewards also won’t expire, so you won’t have to rush to spend them. 

Redeeming Rewards

Navy Federal gives you a variety of ways to redeem your points: 

  • Rent a car, book a plane ticket, or hotel room through Navy Federal’s travel portal 
  • Purchase event tickets, book reservations for a tour or attraction, a cruise or vacation package by phone with Navy Federal
  • Merchandise, gift cards or use them
  • Pay for up to three transactions of at least $50 in the past 90 days 
  • Cash back

For travel, cash back, and statement credits, your points will be worth 1 cent each. We recommend redeeming your points for travel, cash back and statement credits, as redemption values for gift cards and merchandise vary and might be less than 1 cent per point.

Even though this card is an American Express card, the points you earn are not American Express Membership Rewards points. You will use Navy Federal’s rewards portal online to track and redeem your More Rewards points. 

How to Get the Most Out of This Card

Stick to grocery stores when you’re stocking up on home supplies—even if you’re just purchasing toiletries or cleaning supplies. This way, you’ll earn the 3-point earnings rate. If you pick up toothpaste at a drugstore or buy groceries at a big box store or wholesale club, you may only get 1 point per $1 spent because the merchant’s category code isn’t listed as a supermarket. Similarly, you may not earn the gas rewards rate if you fill up at a warehouse club, or the restaurant rewards rate if you dine at a hotel or casino.

When it’s time to redeem your points, use them for travel or cash back in the form of a statement credit to extract the most value (1 cent per point), and avoid merchandise or gift cards that may be worth less.

The More Rewards Card’s Other Benefits

  • Rental car collision insurance (secondary to your own policy)
  • Refund when a merchant won’t accept a return
  • Extended warranties
  • Lowest advertised price match 
  • Travel and emergency hotline

Customer Experience

Navy Federal offers several customer-friendly perks, including access to your FICO score, 24/7 access to customer service representatives based in the United States, and an instant chat feature on its website. 

Security Features

The More Rewards card offers the ability to instantly freeze your account if you misplace your card and other standard security features such as zero liability for fraudulent charges and fraud alerts. 


The More Rewards card’s fees are low for a credit card—the $20 late payment fee is a good example of a lower-than-average fee. Navy Federal also waives many common credit card fees including foreign transaction fees, balance transfer fees, and cash advance fees (except when at cash is retrieved from a non-Navy Federal ATM, in which case there is a charge of 50 cents to $1.)

Next Steps
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See how this card stacks up to the competition
Navy Federal More Rewards American Express® Card
overall rating
Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Poor - Excellent
Regular APR (%) 9.65% - 18% variable
Annual Fee $0
Rewards Earning Rate 3 points per dollar at gas stations, supermarkets, restaurants and commuting expenses. 1 point per dollar on all other purchases.
Our Methodology
At The Balance, we are dedicated to giving you unbiased, comprehensive credit card reviews. To do this, we collect data on hundreds of cards and score more than 55 features that affect your finances.
  • Our Reviews Are Always Impartial: No one can influence which cards we review, the way we present them to you, or the ratings they receive. The scores and reviews come directly from the data we collect and our editorial expertise, and we focus on three areas:
  • How Much Does It Cost? With credit card debt at an all-time high, we believe you should know the cost of carrying a balance. Because of that, we give regular purchase APRs significant weight in overall scores, and cards receive low marks if they have an array of pricey fees.
  • What Are the Rewards Worth? Cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely. To simplify the problem, we built a system that fairly compares rewards and gives them a dollar value. We do this by looking at the ways you can earn and use rewards, which includes evaluating Americans’ typical spending habits and analyzing common travel patterns.
  • Does It Make Your Life Easier? Our scoring system favors cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting customer service. Finally, we give preference to credit cards that have several tools for dealing with fraudulent charges.
  • For every review on The Balance, we hold the credit cards to these standards, and we set the bar high. While we recognize the appeal of splashy features like six-digit sign-up bonuses, our approach ensures that credit cards with the best combination of value, affordability, and accessibility receive the highest scores. See our full methodology for more details.