Credit Cards
Navy Federal More Rewards American Express® Credit Card review
Learn every detail about the features, perks and benefits of the exclusive Navy Federal More Rewards American Express® Credit Card in our comprehensive review. See if this card is the right fit for your lifestyle!
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by Aline Barbosa
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more
Partner Offer through CreditCards.com
Navy Federal More Rewards American Express® Credit Card: Get your money’s worth with an excellent rewards rate!
The Navy Federal More Rewards American Express® Credit Card offers a generous rewards program to help you save money and earn more on your everyday expenses.
How to apply for Navy Federal More Rewards AMEX®
If you’re a Navy Federal member, learn how to easily apply for a Navy Federal More Rewards American Express® Card and earn rewards!
So, with this card, you’ll enjoy one of the highest rates on gas and groceries in the market.
Unlike other rewards cards, the More Rewards American Express Credit Card has no annual or foreign transaction fees, making it a great budget-friendly option.
With this card, no matter where you are in the world, Navy Federal’s secure payment system and 24/7 customer support team have you covered.
Therefore, you can travel worry-free with Navy Federal’s online banking services.
- Credit Score: An average credit score could make you eligible for the card.
- APR: A standard variable between 12.65% and 18.00%. Rates & Fees
- Annual Fee: No membership fees or annual fee.
- Fees: up to $20 max late fee. Rates & Fees
- Welcome bonus: 20,000 bonus points on your More Rewards American Express® Credit Card after meeting the spending requirements. (Terms apply)
- Rewards: 3 points per dollar spent on gas, supermarkets, transit, food delivery and restaurants. 1 point for all other purchases with no cap. (Terms apply)
The main drawback to this card is that it’s not available to the general public. So, to be able to get it, you must be a member of the Navy Federal Credit Union.
If that’s not your case, there are plenty of other options available to you.
However, if you are a member or a family member of a Navy Federal participant, you can enjoy the many great benefits to this card.
If you want to learn more details, read on for our More Rewards American Express® Credit Card full review.
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Navy Federal More Rewards American Express® Credit Card: how does it work?
The Navy Federal More Rewards American Express® Credit Card provides a unique reward structure that allows you to earn rewards faster.
Plus, it’s a solid choice to make the most of your Navy Federal membership.
This is basically a fee-free card, which is uncommon for its category. That way, you can maximize your rewards without an extra charge chomping away at it.
You’ll also get bonus points for shopping at Member Deals. The APR is a low variable between 12.65% and 18.00% and there’s no introductory period.
However, if you pay your monthly balances in full every month, it’s not something to worry about.
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Significant benefits and disadvantages you may find
There are many highlights to having a Navy Federal More Rewards American Express® Credit Card. Nevertheless, as with all credit cards, there are a couple of drawbacks. See the pros and cons below.
Benefits
- One of the best rewards rates for daily expenses like gas and groceries;
- No membership fees, no foreign transaction fees, no balance transfer fees, and no cash advance fees;
- Generous intro bonus with a $200 value;
Disadvantages
- The only way you can get this card is if you’re a member or sponsored by one;
Is a good credit score required for applicants?
Generally speaking, applicants are expected to have at least an average credit score.
The Union will review each applicant’s credit report and use the information from it to determine whether or not they can get a More Rewards American Express® Credit Card.
Furthermore, Navy Federal also looks at other factors such as income, employment, and past credit history.
They may also require additional information before making a decision.
Learn how to apply for a Navy Federal More Rewards American Express® Credit Card
If you’re a Navy Federal member and would like to apply for this card, we can help.
Check the link below for details on how the application process for the Navy Federal More Rewards American Express® Credit Card works.
How to apply for Navy Federal More Rewards AMEX®
If you’re a Navy Federal member, learn how to easily apply for a Navy Federal More Rewards American Express® Card and earn rewards!
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more
Partner Offer through CreditCards.com
Aline Barbosa
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