More Rewards American Express® Card
20,000 points after you spend $2,000 in 3 months. No annual fee.
- Welcome offer
- Issuer's pagenavyfederal.org
“Please allow up to 8 weeks after the 90-day period for the 20,000 points to post to your rewards balance.”
- Annual fee
- Issuer's pagenavyfederal.org
The source states this figure; we have no exact sentence on file yet.
- Purchase APR
- Issuer's pagenavyfederal.org
“Purchase & Balance Transfer Variable APR between 14.15% - 18.00% Footnote [2]”
- Foreign transaction fee
- Issuer's pagenavyfederal.org
The source states this figure; we have no exact sentence on file yet.
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $440 | $240 |
| Typical spender | $765 | $565 |
| Heavy spender | $1,290 | $1,090 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Assumed: points valued at an assumed 1¢.
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- Worth more to a typical spender than about 95% of the 650 cards we track.
- No annual fee, like about 85% of the 626 cards we track.
- Lower top APR than about 85% of the 128 cards on our Sign-up bonuses list (see the list).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Welcome offer
20,000 points
After you spend $2,000 on purchases in your first 3 months.
Offer valid for new Navy Federal More Rewards American Express Credit Card accounts applied for between 07/01/2026 and 01/03/2027. Eligible purchases exclude fees, interest charges, balance transfers, gambling, convenience checks, cash advances, and cash equivalents. Allow up to 8 weeks after the 90-day period for points to post. Account must be open and not in default when the points are scheduled to post. Navy Federal may change or end the offer without notice.
How you earn · More Rewards Program
- 3× pointsrestaurants
- 3× pointsfood delivery
- 3× pointssupermarkets
- 3× pointsgas
- 3× pointstransit
- 1× pointsEverything else
Rates and fees
| Annual fee | Issuer's pagenavyfederal.org The source states this figure; we have no exact sentence on file yet. |
|---|---|
| Purchase APR | Issuer's pagenavyfederal.org “Purchase & Balance Transfer Variable APR between 14.15% - 18.00% Footnote [2]” |
| Balance transfer APR | Issuer's pagenavyfederal.org “Purchase & Balance Transfer Variable APR between 14.15% - 18.00% Footnote [2]” |
| Balance transfer fee | Issuer's pagenavyfederal.org The source states this figure; we have no exact sentence on file yet. |
| Cash advance fee | Issuer's pagenavyfederal.org The source states this figure; we have no exact sentence on file yet. |
| Foreign transactions | Issuer's pagenavyfederal.org The source states this figure; we have no exact sentence on file yet. |
Carrying a balance? See how long it takes to pay off
Benefits
- Early access to tickets for shows, sports, and concerts, including presale tickets and special events, experiences, and offers; the disclosure states the offer is valid in select cities and subject to availability.
- Up to 30% off select hotel properties through Booking.com on the Amex Benefits platform.
- Up to 25% off car rentals with major car rental companies worldwide when booked through the specified Navy Federal More Rewards American Express Benefits Portal or by phone, subject to terms and availability.
- Roadside assistance, including towing and transport, vehicle replacement while the car is repaired, a replacement driver if the cardholder becomes medically unfit to drive during a trip, and continuation of the journey or return home if the car is lost or unusable.
- Zero Liability policy.
- 24/7 help from a US-based member service team.
- Tap to Pay.
- Rental car
- Roadside
Questions
- What is the annual fee?
- No annual fee navyfederal.org, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- No. navyfederal.org, since Sep 29, 2026
- What is the purchase APR?
- 14.15–18.00% APR navyfederal.org, since Sep 29, 2026
- Is there a welcome bonus?
- 20,000 points after $2,000 in purchases in 3 months. navyfederal.org, since Sep 29, 2026
- What credit do you need?
- Average to Excellent Credit navyfederal.org, since Sep 29, 2026
Other points cards with no annual fee
- GM Business MastercardBarclays · No annual fee+$335 a year
- GM Rewards MastercardBarclays · No annual fee+$335 a year
- CareCredit MastercardSynchrony · No annual fee+$145 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).