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If you're already a member of the Navy Federal Credit Union, or you're considering joining, you should take a look at the variety of credit card options available to members. One such card is the Navy Federal More Rewards American Express® Card, which offers cardholders a lucrative earning potential and valuable benefits. The best part? There's no annual fee.
Here's everything you need to know about the Navy Federal More Rewards Amex, including how to apply.
- You could earn 20,000 bonus points when you spend $2,000 (a $200 value) within 90 days of account opening.
- For a limited time, hit checkout on the fly with a one-time $98 statement credit when you pay $49 or more for an annual Walmart+ membership until January 1st, 2026.
- 3X points at restaurants and on food delivery
- 3X points on groceries
- 3X points on gas and transit
- 1X points on everything else
- 3X points on groceries
- 3X points on gas and transit
- 3X points at restaurants and on food delivery
- 1X points on everything else
Page Contents
- Navy Federal More Rewards Amex Pros
- Navy Federal More Rewards Amex Cons
- Navy Federal More Rewards Amex Welcome Offer
- Navy Federal More Rewards Amex Earning Rates
- Navy Federal More Rewards Amex Benefits
- Redeeming Points With the Navy Federal More Rewards Amex
- Application Restrictions and Strategy
- Cards That Compete With the Navy Federal More Rewards Amex
- Final Thoughts
- No annual, balance transfer, foreign transaction, or cash advance fees
- Solid bonus earning categories
- A variety of discounts and early access opportunities as a cardholder
- Restricted to Navy Federal Credit Union members
- No way to extract more value from points
You could earn 20,000 bonus points when you spend $2,000 (a $200 value) within 90 days of account opening.. In addition, you can receive a one-time $98 statement credit when you pay $49 or more for an annual Walmart+ membership using your card. Walmart+ memberships give a variety of benefits, ranging from free grocery delivery and discounts on gas to the ability to register for a free streaming subscription.
The earning rates are one of the best things about the Navy Federal More Rewards Amex. You'll earn:
- 3X points on groceries
- 3X points on gas and transit
- 3X points at restaurants and on food delivery
- 1X points on everything else
You can also shop through the shopping portal to take advantage of member-only deals that earn up to 15 points per $1 spent.
Restaurants, supermarkets, gas, and transit are categories where many people concentrate a significant portion of their monthly spending. If your spending aligns with these categories, you'll accumulate points quickly.
Do rewards expire?
As long as your account is open, your rewards won't expire. Plus, there's no limit to how much you can earn.
Entertainment access
As a cardholder, you'll receive early access to tickets for shows, sports, and concerts, including presale tickets and access to special events or experiences when you book through the entertainment website.
Travel discounts
You can get up to 30% off select hotels through Booking.com, made through the American Express benefit platform.
Car rental benefits
You'll get up to 25% off on car rentals with major car rental companies worldwide. You'll also receive coverage against damage or loss of a car rental in the U.S. or Canada, as well as roadside assistance if an issue arises during your trip.
To receive your discount on car rentals, you can call 1-877-754-9670.
You can redeem your points for cash, travel, gift cards, or merchandise. Whenever you're ready to redeem your rewards, log in to the mobile app, select your card, click “Rewards,” and then click “View Offers.” Then, you'll be redirected to a website to redeem your rewards.
Application Restrictions and Strategy
Navy Federal imposes several application restrictions on cardholders. You can only be the primary cardholder on up to three Navy Federal credit cards at a time. You can only be approved for one new credit card within a 90-day period. If you've already opened a card within the last 90 days, you will be automatically denied for a new card.
Home Equity Line Platinum credit cards and GO BIZ Rewards credit cards aren't included in the 3-card limit, so you can hold those and three other rewards cards at the same time.
In addition, to have a credit card from the Navy Federal Credit Union, you'll need to first be a member. To be eligible for membership, you must fall into one of the following categories: active duty, retired, or veteran servicemembers; family members; or Department of Defense civilians. If you qualify, you can submit an online membership application with your Social Security Number, government ID, current home address, and a method to fund your account.
Once you're a member, you'll be able to submit a credit card application.
If you don't think the Navy Federal More Rewards Amex is right for you, don't worry. There are plenty of other options, including several more through the Navy Federal Credit Union.
- If you want to earn more on travel, consider the Visa Signature® Flagship Rewards Card. You'll earn 3X on travel and 2X on everything else, allowing you to quickly rack up points. Although you'll pay a $49 annual fee, you'll get plenty of value in return — a statement credit for an Amazon Prime membership and the application fee for Global Entry or TSA PreCheck, and a variety of travel protections as a Visa Signature.
- If you want to earn cash back, the Navy Federal Visa cashRewards Card could be a good fit. You'll earn up to 2% cash back on all purchases, and there's no limit to how much you can earn. You'll also receive a collision damage waiver, but there aren't a ton of additional cardholder benefits.
- If you want transferable rewards, the Citi Strata℠ Card (Rates & Fees) might be an option. It has a similar earning potential, but allows you to access Citi's 21 transfer partners. This gives you a route to more lucrative redemptions. However, it charges foreign transaction fees, so it's not a great card to use abroad.
- 3x points on travel
- 2x points on everything else
- Earn unlimited 2% cash back with cashRewards Plus or unlimited 1.5% cash back with cashRewards. Network benefits vary by card.
- 5X – Earn 5 ThankYou® Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel℠ via cititravel.com
- 3X – Earn 3 ThankYou® Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services.
- 3X – Earn 3 ThankYou® Points per $1 spent at Supermarkets
- 3X – Earn 3 ThankYou® Points per $1 spent on Select Transit purchases
- 3X – Earn 3 ThankYou® Points per $1 spent at Gas and EV Charging Stations
- 2X – Earn 2 ThankYou® Points per $1 spent at Restaurants
- 1X – Earn 1 ThankYou® Point per $1 spent on All Other Purchases
Final Thoughts
The Navy Federal More Rewards American Express® Card offers an impressive earning potential and valuable benefits. If you're already a member of the Navy Federal Credit Union, you should seriously look into this card, especially if you tend to spend a lot in these bonus categories. The absence of annual or foreign transaction fees makes up for any areas where it falls short.
For rates and fees of the cards mentioned in this post, please visit the following links: Citi Strata℠ Card (Rates & Fees)
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