Last Updated: 02/02/2026
Navy Federal More Rewards American Express Credit Card
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Last Updated: 02/02/2026
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Highlights
Purchase APR (Variable APR)
14.15% - 18.00%(Verified 02/02/2026)
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Balance Transfer APR (Variable APR)
14.15% - 18.00%(Verified 02/02/2026)
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Credit Score Range
N/A
See More Rewards offer page for more details
Annual Fee
$0
Navy Federal More Rewards American Express Credit Card Review
This is a rewards 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.
Key Takeaways
- Generous reward rate. You can get a rewards rate of up to 3 reward points per dollar spent.
- 20,000 bonus points. You can earn 20k bonus points (a $200 value) when you spend $2,000 within 90 days of account opening (expires 06/30/2026).
- APRs: Navy Federal More Rewards American Express Credit Card has a variable regular purchase APR that ranges from 14.15% up to 18.00%.
- 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.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
Pros & Cons of Navy Federal More Rewards American Express Credit Card
| The Good | The Bad |
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Navy Federal More Rewards American Express Credit Card FAQ
Does Navy Federal More Rewards American Express Credit Card have a cash back or rewards program?
Navy Federal More Rewards American Express Credit Card is a rewards card.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Gas | 3 x points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Groceries | 3 x points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Restaurants | 3 x points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | 1 x points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Navy Federal More Rewards American Express Credit Card have a signup bonus?
Yes. 20,000 bonus points. You can earn 20k bonus points (a $200 value) when you spend $2,000 within 90 days of account opening (expires 06/30/2026).
Does Navy Federal More Rewards American Express Credit Card offer an annual loyalty bonus?
This 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
- 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 regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Navy Federal More Rewards American Express Credit Card has a variable purchase APR that ranges from 14.15% up to 18.00%. The card has a variable balance transfer APR that ranges from 14.15% up to 18.00%. It also has a variable cash advance APR of 18% .
Note that late payments are subject to an APR of 18% if you are late or miss your payments. This APR may apply to your account if you: are over 60 days past due or make a payment that is returned and causes your account to be over 60 days past due. If your APRs are increased for either of these reasons, the Penalty APR will apply until you make 6 consecutive minimum payments when due.Does Navy Federal More Rewards American Express Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Navy Federal More Rewards American Express Credit Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Navy Federal More Rewards American Express Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $20 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | $20 (see terms and conditions) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
There is a late fee of up to $20 . You will be required to pay a late fee of up to $20.00 if you do not pay at least the minimum due date on your statement. Navy Federal may also assess the late payment fee every month thereafter that you are past due. Does Navy Federal More Rewards American Express Credit Card have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for Navy Federal More Rewards American Express Credit Card?
The customer service number for Navy Federal More Rewards American Express Credit Card is .
What is the support contact email for Navy Federal More Rewards American Express Credit Card?
The support contact email for Navy Federal More Rewards American Express Credit Card is info@navyfederal.org.
What is the login page for Navy Federal More Rewards American Express Credit Card?
You can access the login page of Navy Federal More Rewards American Express Credit Card here.
How do people rate the customer service and user experience of Navy Federal More Rewards American Express Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Navy Federal More Rewards American Express Credit Card report your account activity to credit bureaus?
Yes, Navy Federal More Rewards American Express Credit Card reports to the following credit bureaus:
- 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 may help build your credit.
Does Navy Federal Credit Union perform a hard credit pull?
Yes, Navy Federal More Rewards American Express Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Navy Federal More Rewards American Express Credit Card
- Visit the website of Navy Federal More Rewards American Express Credit Card.
- 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 your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Promotional Offers
Earn 20,000 points
You can earn 20k bonus points (a $200 value) when you spend $2,000 within 90 days of account opening.
Hours of Operation
Sunday
Closed
Monday
7:00AM - 5:00PM
Tuesday
7:00AM - 5:00PM
Wednesday
7:00AM - 5:00PM
Thursday
7:00AM - 5:00PM
Friday
7:00AM - 5:00PM
Saturday
Closed