Navy Federal More Rewards American Express® Card
Navy Federal Credit Union · AMEX
The Navy Federal More Rewards American Express® Card is a credit card from Navy Federal Credit Union on the AMEX network. It has an annual fee of $0. It earns 3x on dining & restaurants, 3x on groceries, 3x on transport & transit.
Key facts
- Annual fee
- $0
- Purchase APR
- 14.15% - 18% variable APR
- Foreign transaction fee
- None
- Network
- AMEX
Reward rates by category
| Category | Rate | Detail |
|---|---|---|
| Dining & restaurants | 3x | 3x on restaurants and on food delivery |
| Groceries | 3x | 3x on supermarkets |
| Transport & transit | 3x | 3x on gas and transit |
| Everything else | 1x | 1x on everything else |
Benefits and perks
- Everyday Spending
- Supermarket Shopping
- Average to Excellent Credit
- No annual fee
- No balance transfer fees
- No foreign transaction fees
- No cash advance fees
- 3X points at restaurants and on food delivery
- 3X points at supermarkets
- 3X points on gas and transit
- 1X points on everything else
Rates and fees
Annual membership fee: $0. Purchase APR: 14.15% - 18% variable APR, based on creditworthiness and the Prime Rate. Foreign transaction fee: 0.
Rates and fees as published by the issuer and recorded on 7 Sept 2026. See the issuer's terms for current rates. View the issuer's terms
Questions about the Navy Federal More Rewards American Express® Card
What is the annual fee on the Navy Federal More Rewards American Express® Card?
The Navy Federal More Rewards American Express® Card has an annual fee of $0.
What rewards does the Navy Federal More Rewards American Express® Card earn?
The Navy Federal More Rewards American Express® Card earns 3x on dining & restaurants, 3x on groceries, 3x on transport & transit, 1x on everything else.
Is the Navy Federal More Rewards American Express® Card worth it?
The Navy Federal More Rewards American Express® Card is worth it when the rewards you would earn on your own spending exceed its annual fee. Upload a statement to Woodo and the calculation runs against your real categories rather than an assumed budget.
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