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  Navy Federal More Rewards American Express Credit Card

Navy Federal More Rewards American Express Credit Card

in Personal Credit Cards from Navy Federal Credit Union

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Navy Federal More Rewards American Express Credit Card

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in Personal Credit Cards from Navy Federal Credit Union

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Highlights
Highlights
Balance Transfer APR  (Variable APR) 11.15% - 18%
Credit Score Range 700 - 850
Annual Fee $0
Purchase APR  (Variable APR) 11.15% - 18%
Rewards Rates
  • Every Purchase
  • Gas
  • Groceries
  • Restaurants

Navy Federal More Rewards American Express Credit Card Review

Navy Federal More Rewards American Express Credit Card is a rewards credit card issued by Navy Federal Credit Union. If you're wondering whether Navy Federal More Rewards American Express Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

  • Generous reward rate. You will get a a rewards rate of 3 points per dollar spent.
  • Earn 1 point for every dollar spent on everyday purchases. Terms and conditions apply.
  • Competitive APRs. Navy Federal More Rewards American Express Credit Card has a variable purchase APR that ranges from 11.15% up to 18%.
  • No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
  • $0 Balance transfer fee. This card does not charge a fee on balance transfers.
  • $0 foreign transaction fee. This card does not charge foreign transaction fees, which makes a great credit card to carry with you when traveling abroad.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, and fraud protection.
  • Good or better credit required. You should probably try with another card if your credit score is below 700.
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Has an introductory APR rate on balance transfers of 1.99%.
  • No balance transfer fee.
  • Multiple credit card perks.
  • No foreign transaction fee.
  • Earn rewards on every purchase.
  • Navy Federal More Rewards American Express Credit Card reports to multiple credit bureaus.
  • Cardholders can earn rewards on their purchases.
  • Offers auto rental collision damage waiver.
  • Free access to your credit score.
  • Requires good to excellent credit.
  • Does not offer a signup bonus.

Is there a Navy Federal More Rewards American Express Credit Card cash back or rewards program?

Navy Federal More Rewards American Express Credit Card offers a rewards program to its customers.

Navy Federal More Rewards American Express Credit Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate 3%
Annual rewards limit N/A
Signup Bonus ($) N/A

Does Navy Federal More Rewards American Express Credit Card have a signup bonus?

Navy Federal More Rewards American Express Credit Card doesn't offer a cash signup bonus.

Does Navy Federal More Rewards American Express Credit Card offer an annual loyalty bonus?

Navy Federal More Rewards American Express Credit Card doesn't offer a cash loyalty bonus.

What are the Navy Federal More Rewards American Express Credit Card benefits?

Navy Federal More Rewards American Express Credit Card provides the following benefits:

  • Free Credit Score
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Zero fraud liability
  • ID Theft Protection
  • Reports to major credit bureaus

What are the relevant APRs for Navy Federal More Rewards American Express Credit Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Navy Federal More Rewards American Express Credit Card has lower than average purchase APRs.

Navy Federal More Rewards American Express Credit Card has a variable purchase APR that ranges from 11.15% up to 18%. The card has a variable balance transfer APR that ranges from 11.15% up to 18%. It also has a variable cash advance APR that ranges from 13.15% up to 20%. Note that late payments are subject to an APR of 18% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Does Navy Federal More Rewards American Express Credit Card have an introductory APR offer on balance transfers??

Yes, Navy Federal More Rewards American Express Credit Card offers an introductory APR rate on balance transfers of 1.99% for a period of up to 12 months.

Navy Federal More Rewards American Express Credit Card Balance Transfers
Description
Balance Transfer APR 11.15% - 18%
Balance Transfer Introductory APR 1.99%
Balance Transfer Intro APR Period (months) 12
Balance Transfer Fee % 0%
Balance Transfer Fee % After Intro Period N/A
Balance Transfer Fee Intro Period (days) N/A
Balance Transfer Fee Minimum N/A

Does Navy Federal More Rewards American Express Credit Card have an introductory APR offer on new purchases??

This card does offer an introductory APR rate of 1.99% on qualified purchases for a period of up to 12 months.

What are the Navy Federal More Rewards American Express Credit Card fees?

The following fees apply to Navy Federal More Rewards American Express Credit Card:

Navy Federal More Rewards American Express Credit Card Fees
Fees Amount
Annual Fee up to $0
Foreign Transaction Fee 0%
Balance Transfer Fee 0%
Returned Payment Fee up to $20
Late Payment Fee up to $20

Does Navy Federal More Rewards American Express Credit Card have a foreign transaction fee?

Navy Federal More Rewards American Express Credit Card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

Does Navy Federal More Rewards American Express Credit Card report your account activity to credit bureaus?

Navy Federal More Rewards American Express Credit Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit score.

How to apply for Navy Federal More Rewards American Express Credit Card

  • Visit the Navy Federal More Rewards American Express Credit Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Gas (Points) 3
Introductory Rate 1.99%
Purchase Intro APR Period (Variable APR) 12 months
Cash Advance Fee Minimum $0
Foreign Currency Transaction Fee 0%
No Annual Fee  
No Foreign Transaction Fee  
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Minimum Cash Advance Fee ($) $0 - $1
Returned Payment Fee Up to $20
Late Fee Amount Up to $20
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 - 850
Card Type Rewards
Card Network American Express
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Emergency Support  
Fraud Liability  
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Fraud Liability
  • Free Credit Score
  • Identity Theft Protection
Free FICO Score  
Rewards Rates
  • Every Purchase
  • Gas
  • Groceries
  • Restaurants
Rewards Type Points
Cash Advance APR (Variable APR) 13.15% - 20%
Balance Computation average daily balance (including new transactions)
Penalty APR (Variable APR) 18%
Purchase APR (Variable APR) 11.15% - 18%
Balance Transfer Introductory APR (Variable APR) 1.99%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 11.15% - 18%
Balance Transfer Fee % 0%

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Balance Transfer APR 11.15% - 18%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 700 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 11.15% - 18%
(Variable APR)
    0% 36% Variable APR
Rewards Rates
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Navy Federal Visa Signature Flagship Rewards Credit Card
Balance Transfer APR 11.49% - 18%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 700 - 850     300 850
Annual Fee $49 Annual Fee
Purchase APR 11.49% - 18%
(Variable APR)
    0% 36% Variable APR
Rewards Categories
  • Airfare
  • Every Purchase
  • Travel
Navy Federal Platinum Credit Card

Navy Federal Platinum Credit Card

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Balance Transfer APR 7.49% - 18%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 700 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 7.49% - 18%
(Variable APR)
    0% 36% Variable APR
Rewards Rates N/A Rewards Rates
Navy Federal nRewards Secured Card

Navy Federal nRewards Secured Card

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Balance Transfer APR 18% Variable APR
Credit Score Range 500 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 18% Variable APR
Rewards Categories
  • Every Purchase
Navy Federal Go Rewards Credit Card
Balance Transfer APR 10.49% - 18%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 640 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 10.49% - 18%
(Variable APR)
    0% 36% Variable APR
Rewards Rates
  • Every Purchase
  • Gas
  • 3% on Restaurants