Navy Federal More Rewards American Express®
- Annual Fee
- $0
- points · Welcome Bonus
- 20,000
- Top Rate
- 3X
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $0
- Foreign Transaction Fee
- $0
- Network
- —
- Rewards Currency
- Navy Federal Credit Union Points
- Credit Required
- Excellent
Welcome Offer
20,000
points
$2,000
Spend Required
3 months
Time Period
Earning Rates
- 3X
Dining
3X points at restaurants and on food delivery
- 3X
Gas Stations
3X points on gas
- 3X
Grocery Stores
3X points at supermarkets
- 3X
Transit
3X points on transit
- 1X
All Other
1X points on everything else
Benefits & Perks
Insurance & Protections
4 protectionsExtended Warranty
Extends the terms of original manufacturers' warranties (of twelve months or less) on a covered product purchased entirely with the Card for a peri...
Roadside Assistance
24/7 towing and roadside-repair dispatch in the US, Canada, or Puerto Rico -- dispatch is free, but you pay the actual towing/repair costs.
Car Rental Loss and Damage Insurance
$50,000
Covers damage or loss on a US/Canada rental car, up to $50,000/rental, when you decline the rental company's CDW and charge the rental to your Card.
Retail Protection
$1,000
Protects a covered item against damage or theft for 90 days, up to $1,000 per loss and $50,000 per account per year, in excess of other insurance.
Dining Out
3x at restaurants
Navy Federal Credit Union Points
≈$3 in value on a $100 dinner, at our valuation of 1¢ per point
No annual fee
Explore 5,512 New York restaurants with this cardStack a dining program
Rakuten Dining
5% back at 20,618 participating restaurants, on top of this card's 3x, once you join and link this card.
+$5
cash back, or ≈$5.50 as points
More on a $100 dinner
Reviews & Analysis
The Math: Is $0 Worth It?
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$0
Net Annual Value
+$0
Details & Terms
Application Rules
| Rule | Details |
|---|---|
| Membership required | Only Navy Federal Credit Union members can apply; membership is open to servicemembers, veterans, Department of Defense personnel and their families. |
Payment Terms
| Purchase APR | 14.15%–18% (Variable) |
| Foreign Transaction Fee | $0 |
Media & Resources
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| Issuer Rewards Terms | Issuer Rewards Terms: Welcome offer | |
| Issuer Rewards Terms | Issuer Rewards Terms: Welcome offer | |
| RewardsCC API | — | RewardsCC API |
| Issuer Page | Issuer Page: Earn rates | |
| Issuer Page | Issuer Page | |
| Issuer Page | Issuer Page: Apr | |
| Navy Federal Credit Union Official | — | Navy Federal Credit Union Official |
