WalletHubNo membership feesHigh rewards rate20,000 points initial rewards bonusNo foreign transaction fee
Excellent Credit, Good Credit, Fair Credit
$0
14.15% - 18.00% Variable
APR: 14.15% - 18.00% Variable
Balance Transfer Fee
You can earn 20k bonus points (a $200 value) when you spend $2,000 within 90 days of account opening. Offer valid for accounts applied for between 1/2/26 - 6/30/26.
Earn 3x points at restaurants and on food delivery.
Earn 3x points on groceries.
Earn 3x points on gas and transit.
Earn 1x points on everything else.
Roadside assistance.
Up to 25% off car rental, plus car rental loss & damage insurance.
| cash advance fee | $0 at Navy Federal ATMs or branches, $0.50 - $1 elsewhere |
| cash advance APR | 18.00% Variable |
| foreign transaction fee | $0 |
| smart chip | Yes |
| max late fee | $20 |
| max overlimit fee | $0 |
| max penalty APR | 18.00% |
| grace period | 25 days |
March 2nd, 2026
No membership fees
High rewards rate
20,000 points initial rewards bonus
No foreign transaction fee
annual fee$0 | annual fee$0 | annual fee$0 |
rewards rate | rewards rate | rewards rate |
bonus offer | bonus offer | bonus offer |
Purchase Intro APRNot Offered | Purchase Intro APRNot Offered | Purchase Intro APR0.99% for 6 months from account opening |
transfer intro aprNot Offered | transfer intro aprNot Offered | transfer intro aprNot Offered |
Regular APR14.15% - 18.00% Variable | Regular APR13.5% - 18.00% (V) | Regular APR13.49% - 18.00% Variable |
Sponsored Apply Now | Sponsored Apply Now | Sponsored Apply Now |
Can't find what you are looking for? Submit your question about Navy Federal More Rewards American Express® Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
For the Navy Federal More Rewards card you need at least a fair credit score.
If you get approved, you'll be rewarded with:
In case you need a rewards card for fair credit, check out these.
The starting credit limit for the Navy Federal More Rewards Card is $500. So everyone who's approved for the card will have at least $500 in spending power. But credit limits are given based on each applicant's creditworthiness, so yours might be even more.
The limit you're approved with doesn't necessarily have to stay the same forever. If you pay your bills on time and stay well below your credit limit, you might be granted a higher limit in...
The Navy Federal More Rewards American Express® Card is not a charge card, so you won't be required to pay the balance in full each month. Navy Federal Credit Union does not offer any charge cards, which means you'll have the option to carry a balance with any Navy Federal Credit Union card you choose. You will need to make a minimum payment by the due date each month, however.
If you're still interested in getting a charge card and...
Yes, the Navy Federal More Rewards Card does have travel insurance. Navy Federal More Rewards Card rental car insurance covers you in case of damage or theft of a rental vehicle in the United States and Canada, while the card's emergency assistance service provides support in case of a medical or travel-related emergency as long as the purchases are charged to the card.
To file a Navy Federal More Rewards Card travel insurance claim, you'll need to contact the Benefit Administrator. For more details, including time...
The Navy Federal More Rewards Card points are worth 1 cent each, on average. The points can be redeemed for cash back, merchandise, or gift cards, among other things.
To redeem your Navy Federal More Rewards Card points, log in to your online account or use the Navy Federal Credit Union mobile app. You can also redeem points over the phone, at (855) 575-4642.
Your points don't expire as long as your account is open, but it's best to redeem every now and then, to...
The Navy Federal More Rewards American Express® Card does not offer trip cancellation insurance right now, unfortunately. Trip cancellation insurance is a credit card benefit that reimburses you for certain nonrefundable travel expenses when you have to cancel a trip due to illness, injury, or other unforeseeable circumstances.
If you think you'll need this coverage, you can check out our editors' picks for the best credit cards with trip cancellation insurance. It's also worth noting that trip cancellation coverage is just one of the several types...
To redeem your Navy Federal More Rewards Card points, log in to your Navy Federal online account, call customer service at (855) 575-4642, or use the Navy Federal mobile app. Navy Federal More Rewards Card points are worth 1 cent each when redeemed for gift cards, which is the best redemption option.
How to Redeem Navy Federal More Rewards Card Points Online
The easiest way to apply for the Navy Federal More Rewards Card is online, and you can get to the online application by clicking the "Apply Now" button on WalletHub. Applying online is the fastest method and often leads to an instant response. Keep in mind that the Navy Federal More Rewards Card is available to people with fair credit or better, which means you need a 640+ credit score for high approval odds. You can check your credit score for free here on WalletHub.
How to...
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Offer last updated: Mar 2nd, 2026 at 11:17 ET
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