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The Navy Federal More Rewards American Express® Card is a credit card for Navy Federal Credit Union members. All military servicemembers and their family members are eligible for NFCU membership. Learn how to apply here:
Navy Federal More Rewards Amex Card
- Check latest welcome bonus offer on Navy Federal's website
- Earn 3X points on restaurants, supermarkets, gas and transit*
- 1x on everything else*
- No annual fees, no balance transfer fees, and no foreign transaction fees
- Start redeeming rewards as soon as you earn them without limit or expiration
- 24/7 access to stateside member reps
- Zero Liability policy for confirmed unauthorized transactions
- The Navy Federal More Rewards American Express® Card is issued and administered by Navy Federal Credit Union. American Express is a federally registered service mark of American Express and is used by the issuer pursuant to a license
Navy Federal cards are an excellent place to start your credit cards journey. Building credit with an NFCU credit card can make it much easier to access the premium luxury travel cards like the Chase Sapphire Reserve®.
Since this card has no foreign transaction fees, it makes a great Amex card to have if you are stationed overseas in Germany, Japan, England, or South Korea.
Navy Federal More Rewards American Express® Card Welcome Bonus
For a no annual fee card, the NFCU More Rewards Amex card has a good welcome bonus. You can earn 20,000 points when you spend $2,000 within 90 days of account opening. Offer valid for accounts applied for between 07/01/2026 and 01/03/2027. These points can be redeemed for cash back, statement credit, travel, or gift cards.
You can deposit the cash back at 1 point = 1 penny or 100 points = $1 into your Navy Federal savings account. Since the points have a fixed value, they are not very useful for optimized credit card spending. However, if you have maxed out your and your spouse's Chase cards and American Express cards, it may be a good time to try the More Rewards American Express.
More Rewards Amex Card Spending Bonus Categories
This Navy Federal Amex card earns 3x points on restaurants (including food delivery), supermarkets, gas, and transit.
Earning essentially 3% cash back on restaurants, food delivery, supermarkets, gas, and transit make this a very good cash back credit card.
The Navy Federal More Rewards Amex transit category includes railway, ferries/water trip, taxis, limousines, bus lines, charters, tour buses, tolls, road/bridge fees, and parking/lots.
The More Rewards Amex card compares to the Chase Sapphire Reserve® and the American Express® Gold Card. However, since Chase points and Amex points are much more valuable and flexible than cash reward points, I suggest you go with a better card like the Amex Gold.
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Learn how to apply on our partner's secure site
- $795 annual fee (see Chase policy)
- bonus_miles_full
- Earn 8x points on all purchases through Chase Travel℠ including The Edit℠
- 4x points on flights and hotels booked direct
- 3x points on dining worldwide
- 1x points on all other purchases
- Get a $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Live the lounge life at over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge® by The Club with two guests.
- Up to $120 towards Global Entry, NEXUS, or TSA PreCheck® every 4 years which saves you a ton of time
- Up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
- Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
- Get complimentary subscriptions to Apple TV and Apple Music for a minimum of one year when activated by June 22, 2027, a value of $288 annually.
- Member FDIC
- Learn more in the Chase Sapphire Reserve® review
Card Conclusion
This is not the first card I would recommend for service members.
That being said, if you are just establishing your credit score (less than a 720 score) then a no annual fee Navy Federal More Rewards American Express card is perfect for you to earn a valuable welcome bonus before you move on to the much better credit cards available. I recommend you learn more about credit cards in my free course. It only takes 5 days to learn everything you need to get started.
It wasn’t clear on what type of points they are (i.e. NF particular points or AMEX points). I assume NF points due to your comments on fixed value and not that useful?
They are fixed value points. They are NOT Amex Membership Rewards points.