The advertised credit profile is general guidance, not a score cutoff or an approval prediction. Navy Federal Credit Union makes every lending decision.
- Annual fee and first-year pricing
- Earn 3X points on everyday expenses like groceries and gas—plus great benefits and no annual fee.
- Purchase APR
- Rates Purchase & Balance Transfer Variable APR between 14.15% - 18.00% Terms & Conditions
- Balance transfers and fees
- Your points don't expire while your account is open. No worries about redeeming points by a certain deadline. We don't nickel and dime you with fees either. There are no annual balance transfer or foreign transaction fees. Offer valid for cardholders issued new Navy Federal More Rewards American Express® Credit Card accounts. To be eligible for the 20,000 points offer, you must make $2,000 or more in eligible purchases within 90 days of account opening. Eligible purchases are purchases for goods and services, minus returns and other credits. Eligible purchases do not include fees, interest charges, balance transfers, gambling, convenience checks, cash advances, or other cash-equivalents (e.g., money orders, gift cards, prepaid cards) . Please allow up to 8 weeks after the 90-day period for the 20,000 points to post to your rewards balance. Account must be open and not in default at the time the 20,000 points are scheduled to post to your rewards balance. Limit of one promotional offer at account opening. Offer valid for accounts applied for between 07/01/2026 and 01/03/2027. Navy Federal reserves the right to change or end this offer at any time without notice. Navy Federal More Rewards American Express® Cards earn 3 points for every $1 of eligible purchases made for gas, transit, restaurants, food delivery, and supermarkets, and 1 point for every $1 of other eligible purchases. Eligible purchases are purchases for goods and services, minus returns and other credits. Eligible purchases do not include fees, interest charges, balance transfers, gambling, convenience checks, cash advances, or other cash-equivalents (e.g., money orders, gift cards, prepaid cards). Merchants are assigned codes by payment networks based on what they primarily sell. We rely on this information to identify gas, transit, restaurant, food delivery, and supermarket purchases. If the purchase is not identified as a gas, transit, restaurant, food delivery, or supermarket purchase, it will not receive additional points. For example, purchases for transit that are identified as railway, ferries/water trip, taxi, limousines, bus lines, charters, tour buses, tolls, road/bridge fees, and parking/lots will receive 3 points for every $1 spent. However, purchases at restaurants located within another establishment (e.g., hotel, casino, commissary, grocery store, event venue), and purchases for gas at superstores, supermarkets, and warehouse clubs, may earn 1 point per $1 spent because they typically are not assigned codes identifying them as restaurant or gas purchases. For more information, view the Program Description for the More Rewards Card. No balance transfer fees
- Cash advances and fees
- As of 10/28/2026, rates range from 14.15% APR to 18.00% APR, are based on creditworthiness, and will vary with the market based on the U.S. Prime Rate. ATM cash advance fees: None, if performed at a Navy Federal branch or ATM. Otherwise, $0.50 per domestic transaction or $1.00 per foreign transaction. Text: Army, Marine Corps, Navy, Air Force, Space Force, Coast Guard, Veterans. Our members are the mission. Navy Federal is insured by NCUA. Credit Card Pricing. As of 06/08/2026, rates range from 14.15% APR to 18.00% APR, are based on creditworthiness, and will vary with the market based on the U.S. Prime Rate. ATM cash advance fees: None, if performed at a Navy Federal branch or ATM. Otherwise, $0.50 per domestic transaction or $1.00 per foreign transaction. Rewards Program. For more information, view the American Express More Rewards Program Description Guide at navy federal.org. Please see important disclosure information in the description of this video. No cash advance fees
- Foreign transaction fee
- Your points don't expire while your account is open. No worries about redeeming points by a certain deadline. We don't nickel and dime you with fees either. There are no annual balance transfer or foreign transaction fees. No foreign transaction fees
- Redemption options and restrictions
- As long as your account is open, rewards won’t max out or expire. Continue to spend and accrue rewards and redeem them at your convenience. Love to travel? Or would you prefer to replenish your pockets with cash back? The More Rewards Card gives you the flexibility to redeem your points as you like. Your points don't expire while your account is open. No worries about redeeming points by a certain deadline. We don't nickel and dime you with fees either. There are no annual balance transfer or foreign transaction fees.
- Membership, location and eligibility
- Navy Federal Credit Union membership required.
- Other conditions
- This card is best for: Everyday spending Supermarket shopping Average to excellent credit Rewards: 3X points at restaurants and on food delivery 3X points at supermarkets 3X points on gas and transit 1X points on everything else Trustpilot SPECIAL OFFER Spend $2,000 within 90 days of account opening and snag 20,000 bonus points. See More Rewards offer. Learn more about this card for the Navy Federal More Rewards American Express® Card
Recorded from Navy Federal Credit Union’s public information. Rates and fees change, so the issuer’s current disclosures are authoritative.
