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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:
- 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 Amex Platinum 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.
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 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 Amex Gold (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
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.