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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
Learn how to apply
- Earn 20,000 bonus points (a $200 value) when you spend $2,000 within 90 days of account opening. Offers ends 6/30/2026
- 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 military 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 Amex Credit Card Welcome Bonus
For a no annual fee card, the NFCU More Rewards Amex card has a good welcome bonus. You can earn 25,000 points when you spend $3000 within 90 days of account opening. 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 military credit card spending. However, if you have maxed out your and your spouse's Chase cards and Amex 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 adjusted with Chase policy
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- 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.
- Complimentary Apple TV+ and Apple Music. Subscriptions run through 6/22/27 – a value of $288 annually
- Member FDIC
- Learn more in the Chase Sapphire Reserve review
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Learn how to apply on our partner's secure site
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- 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- New! Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App.
- 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App, or purchased directly from airlines.
- Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App and cruises booked and paid through AmexTravel.com.
- 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You'll know upfront exactly how much you'll pay.
- Updated! $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. Enrollment required.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy
- restaurants after you pay for eligible purchases with the American Express® Gold Card. Enrollment required.
- $84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold
- Card at U.S. Dunkin' locations. Enrollment required.
- $120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
- New! As an American Express®G old Card Member, you can enjoy complimentary Hertz Five Star® Status. Skip the counter at select locations, you can add an additional driver at no additional cost, and get vehicle upgrades*! Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. *Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
- $100 credit towards eligible charges at over 1,300 upscale hotels worldwide when you book The Hotel Collection through AmexTravel.com or the Amex Travel App **. *Eligible charges vary by property. **The Hotel Collection requires a two-night minimum stay.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.
Card Conclusion
This is not the first card I would recommend for military servicemembers.
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 military credit cards available. I recommend you learn more about military 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.