Issued by Navy Federal Credit Union, this card is designed for everyday use, especially for members who spend frequently on food, transportation, and travel. It’s powered by the American Express network, which provides broad international acceptance and premium perks. Members with average to excellent credit scores will benefit most from this product.
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The card belongs to the “More Rewards” lineup and is considered a mid-tier credit option. Although it lacks luxury-tier status like Platinum or Black cards, it still delivers excellent value with no annual fee and attractive reward structures tailored to typical spending habits.
Main features of Navy Federal More Rewards American Express® Card
This card carries no annual fee, no foreign transaction fees, and no balance transfer or cash advance fees when using Navy Federal ATMs. It provides a variable APR between 14.90% and 18.00%, depending on your creditworthiness. The reward program offers 3X points at restaurants, supermarkets, and gas stations, and 1X on other purchases. All points are unlimited and never expire.
Approval requirements
To qualify, you should have average to excellent credit. Navy Federal typically requires stable income and a low debt-to-income ratio. While the application may involve a credit check, the institution allows prequalification without impacting your credit score. Membership with Navy Federal is necessary, and eligibility usually extends to military members, veterans, and their families.
Benefits of Navy Federal More Rewards American Express® Card
Cardholders earn 3X points on essential categories like groceries, dining, gas, and transit, and 1X points elsewhere. You can redeem rewards for cash, travel, gift cards, or merchandise. There’s also access to exclusive discounts through the Member Deals platform, with potential to earn up to 15% cashback per dollar spent at participating retailers.
Exclusive highlight
A standout benefit is the limited-time $98 Walmart+ statement credit when you use the card to purchase an annual Walmart+ membership. This feature includes free delivery, gas discounts, and early access to special events—ideal for frequent Walmart shoppers.
Drawbacks and things to consider about the Navy Federal More Rewards American Express® Card
Despite its many advantages, the card’s American Express network may not be accepted as widely as Visa or Mastercard, especially with smaller merchants or in remote international locations. It’s worth verifying merchant compatibility before relying solely on this card for travel abroad.
Additionally, while the rewards structure is appealing, it may not suit those who spend more heavily in categories like travel or entertainment. Other cards might offer better returns or introductory bonuses for those with different lifestyle priorities.
How to apply step-by-step
First, check if you prequalify on the Navy Federal website—this doesn’t affect your credit. If eligible, submit your application with required financial information. The credit union will review your debt-to-income ratio and credit score. Most applicants receive a response within minutes to a few days. If approved, your card will be mailed promptly.
Who is the Navy Federal More Rewards American Express® Card ideal for?
This card is a strong choice for Navy Federal members who spend regularly on groceries, dining, and gas. Its straightforward rewards and lack of fees make it perfect for everyday use, especially for families and commuters. It’s also ideal for budget-minded shoppers who value rewards flexibility and don’t want to worry about point expiration.
Compared to other no-fee cards, the Navy Federal More Rewards American Express stands out for its generous 3X reward categories and valuable partner perks like Walmart+. While it may lack luxury-level prestige, it excels in providing meaningful everyday benefits to the right users.
