To apply for a Navy Federal More Rewards American Express® Credit Card, you need to be a Navy Federal member or be sponsored by a member. Navy Federal allows family and household members to request the card as long as they meet the eligibility criteria. That said, an average credit score is the minimum to apply, along with a valid SSN, a US address, a checking or savings account, and a driver’s license or government issued ID.

All new Navy Federal More Rewards American Express® Credit Cards have at least $500 as their starting spending limit. That amount can be higher depending on your overall creditworthiness and other key data points. You can also increase the starting limit by paying your balance in full and on time each month and keep your credit utilization low.

With the Navy Federal More Rewards American Express® Credit Card you’ll earn points every time you make an eligible purchase. You’ll get 3 points for gas, supermarkets, restaurants and transit. Plus, 1 point with no cap for everything else you buy. You’ll also have access to bonus points by shopping at Member Deals. The card also offers Zero Liability and Fraud Protection.