Navy Federal More Rewards American Express Card Review

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The Navy Federal More Rewards American Express® Card is an excellent 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

  • Earn 25,000 bonus points (a $250 value) when you spend $3,000 within 90 days of account opening.
  • 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 unauthorized transactions

Navy Federal cards are an excellent place to start your military travel hacking journey. Building credit with an NFCU credit card can make it much easier to access the premium luxury travel cards like the The Platinum Card® from American Express and Chase Sapphire Reserve. Both of these cards waive their $550 annual fee for military servicemembers and their civilian spouses.

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.

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 proper travel hacking. 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 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 (3x points on travel) the American Express® Gold Card (4x points on groceries and restaurants). 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.

Chase Sapphire Reserve bonus

Chase Sapphire Reserve® Card
Learn how to apply on our partner's secure site

  • $550 annual fee waived to $0 for US military + spouses with Chase MLA policy
  • Earn 75,000 bonus points after you spend $4,000 on eligible purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually.
  • 3x Points on other Travel (airfare, hotels) after earning the $300 travel credit
  • 3x Dining restaurants, takeouts, delivery
  • Chase Ultimate Reward Points redeemed through Chase Travel℠ are worth 1.5 cents, a 50% bonus.
  • Priority Pass lounge and restaurant access with over 1300+ airport lounges worldwide
  • Up to $100 application fee credit for Global Entry every 4 years
  • Count on Trip Cancellation/Interruption Insurance, Primary coverage with Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • No foreign transaction fees, Member FDIC
  • Learn more in the Chase Sapphire Reserve review
American Express Gold Card military AMEX Gold Card Military No annual fee SCRA $250 annual fee waived

American Express® Gold Card
Learn how to apply on our partner's secure site

  • Earn 60,000 Membership Reward® Points after spending $6,000 on eligible purchases with your new card in the first 6 months of Card Membership
  • Earn 4x points at restaurants, plus takeout and delivery in the US
  • Earn 4x points on US supermarkets (up to $25,000 per year, then 1x points) – includes OCONUS Commissaries
  • Earn 3x points on flights booked directly with the airline or on
  • No foreign transaction fees – great for the 4x on restaurants when travelling for fun, OCONUS TDY, or PCS!
  • $120 Uber Cash on Gold: Add your Amex Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 annually.
  • $120 per year Dining Credit: Earn up to $10 per month in statement credits when you use your Amex Gold at Grubhub, The Cheesecake Factory, Goldbelly,, Milk Bar, and select Shake Shack locations. Enrollment required.
  • Choose between the Gold or Rose Gold version when you apply.
  • Read my full review of the Amex Gold card for military, terms apply
  • $250 Annual Fee* See more details about American Express protections for you and your spouse 

Card Conclusion

This is not the first card I would recommend for military servicemembers. Since Chase and Amex waive the annual fees on all of their personal cards, you are much better off with a hotel credit card, Amex Platinum, Chase Sapphire Reserve, or any of this month's top recommended cards for military.

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.

2 thoughts on “Navy Federal More Rewards American Express Card Review”

  1. 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?


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