Navy Federal More Rewards American Express
No fee
Navy Federal Credit Union
Navy Federal More Rewards American Express
4.3
(2,345 reviews)cashbackrewards
Reviewed by CardCompare Editorial Board
|CFP-reviewed|Updated April 2026One of the best credit union cards available to military members and their families. The standout feature is the incredibly low APR range (12.24-18%) combined with no annual fee and no balance transfer fees. 3x on dining, gas, and transit is competitive.
Annual Fee
No annual fee
Purchase APR
12.24% – 18%
Rewards
1x base rate
Sign-Up Bonus
None
Credit Score
Fair (580-669)
Foreign Txn Fee
None
Who Should Get This Card
The Navy Federal More Rewards American Express is best suited for those building credit who military families who want low apr and solid rewards. With no annual fee, there's zero cost to keep it in your wallet long-term.
This card is great if you…
- Very low APR
- No annual fee
- No BT fee
- Military families who want low APR and solid rewards
Consider another card if you…
- Membership required (military/DoD)
- No sign-up bonus
- Amex acceptance limitations
Rewards Breakdown
3x restaurants/gas/transit, 1x everything else
| Category | Rate |
|---|---|
| Restaurants | 3x |
| Gas Stations | 3x |
| Transit | 3x |
| Everything else | 1x |
Rewards Distribution
3x
top rate
Restaurants3x30%
Gas Stations3x30%
Transit3x30%
Everything else1x10%
Fees & APR
| Annual Fee | No annual fee |
| Purchase APR | 12.24% – 18% |
| Intro APR (Purchases) | 0% for 12 months |
| Intro APR (Balance Transfer) | 0% for 12 months |
| Balance Transfer Fee | None |
| Foreign Transaction Fee | None |
| Late Fee | Up to $29 |
Pros & Cons
Very low APR
No annual fee
No BT fee
No FTF
3x popular categories
Membership required (military/DoD)
No sign-up bonus
Amex acceptance limitations
The Bottom Line
The Good: The Navy Federal More Rewards American Express stands out for its very low apr. No foreign transaction fees make it a strong pick for international spending.
The Not So Good: Membership required (military/DoD).
Our Verdict: The Navy Federal More Rewards American Express scores 7/10 — a solid option for military families who want low apr and solid rewards. With no annual fee, there's no risk in trying it.
Frequently Asked Questions
What is the annual fee for the Navy Federal More Rewards American Express?▾
The Navy Federal More Rewards American Express has no annual fee — you'll never be charged just for keeping the card open.
How do the rewards work on the Navy Federal More Rewards American Express?▾
The Navy Federal More Rewards American Express earns 1x points on all purchases, and up to 3x points in select bonus categories. Points can be redeemed for travel, cash back, gift cards, and more.
What credit score do I need for the Navy Federal More Rewards American Express?▾
The Navy Federal More Rewards American Express is recommended for applicants with fair (580-669) credit. Approval is not guaranteed and depends on your full credit profile.
Does the Navy Federal More Rewards American Express charge a foreign transaction fee?▾
No — the Navy Federal More Rewards American Express has no foreign transaction fees, making it a solid choice for international purchases and travel abroad.
What is the APR on the Navy Federal More Rewards American Express?▾
The Navy Federal More Rewards American Express has a variable purchase APR of 12.24% – 18%, with a 0% intro APR for the first 12 months. If you carry a balance, interest charges can quickly outweigh any rewards earned.
Who is the Navy Federal More Rewards American Express best for?▾
The Navy Federal More Rewards American Express is best for Military families who want low APR and solid rewards. A key advantage: very low apr.
Customer Reviews
4.3
2,345 reviews
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