Navy Federal More Rewards American Express Review
Navy Federal Credit Union · Military families who want low APR and solid rewards
4.3 / 5 (2345 reviews)
Annual Fee
No annual fee
Rewards
3x restaurants/gas/transit, 1x everything else
Regular APR
12.24% – 18%
Credit Needed
Fair (580-669)
Our Expert Verdict
7/10
Editor's Score
One 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.
Pros
- Very low APR
- No annual fee
- No BT fee
- No FTF
- 3x popular categories
Cons
- Membership required (military/DoD)
- No sign-up bonus
- Amex acceptance limitations
Key Benefits & Perks
3x on restaurants, gas, transit
No annual fee
No foreign transaction fees
Low APR compared to competitors
No balance transfer fee
Rewards Breakdown
| Category | Rate |
|---|---|
| Restaurants | 3x |
| Gas Stations | 3x |
| Transit | 3x |
| Everything else | 1x |
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Military families who want low APR and solid rewards
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Customer Reviews
4.3
2,345 reviews
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