USES

More Rewards American Express® from Navy Federal Credit Union Review

More Rewards American Express® from Navy Federal Credit Union — all information about the credit card.

Updated November 10, 2023
Advertiser Disclosure Our Methodology
Navy Federal Credit Union More Rewards American Express®
Apply now
Our Rating:
5 out of 5
scorer
Recommended credit score
Fair to Excellent (580-799)
  • Rewards Rate:
    • 3x Points at restaurants and on food delivery.
    • 3x Points at supermarkets.
    • 3x Points on gas and transit.
    • 1x Points on everything else.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    $0
  • Purchase Intro APR:
    1.99% Introductory APR for 6 months
  • Regular APR:
    14.90% - 18.00% Variable
  • Balance Transfer APR:
    14.90% - 18.00% Variable
Show more

We recommend more cards

Upgrade Cash Rewards Visa®
Upgrade Cash Rewards Visa®
None
Annual Fee
14.99% - 29.99%
Regular APR
1.5%
Cash Back on payments.
Apply now
On Upgrade‘s website
Divvy Cross River Bank
Divvy
Cross River Bank
None
Annual Fee
None
Regular APR
2x - 7x:
Points on restaurants.
Apply now
On Cross River Bank‘s site
Upgrade Triple Cash Rewards Visa® Upgrade
Upgrade Triple Cash Rewards Visa®
None
Annual Fee
14.99% - 29.99%
Regular APR
3%
Cash Back on Home, Auto and Health categories.
Apply now
On Upgrade‘s website
Apply now

Navy Federal Credit Union More Rewards American Express® Rewards Calculator

How do you record your expenses?
Enter your monthly spendings on:
3X
Dining
$
3X
Supermarkets
$
3X
Gas
$
3X
Transit
$
1X
All other purchases
$
How would you like to redeem points?
Calculate
Show less details

All benefits

  • Points
    • 3x At restaurants and on food delivery.
    • 3x At supermarkets.
    • 3x On gas and transit.
    • 1x On everything else.
  • Travel
    • 25% Off car rental, plus car rental loss & damage insurance.
    • Roadside assistance:
    • Roadside assistance, also known as breakdown cover, is a service designed to help you get going again if your vehicle breaks down.

Rate and fee information

  • Purchase Intro APR
    • 1.99% Introductory APR for 6 months
  • Purchase APR
    • 14.90% - 18.00% Variable
  • Intro Balance Transfer APR
    • None
  • Balance Transfers APR
    • 14.90% - 18.00% Variable
  • APR for Cash Advances
    • 16.90% - 18.00% Variable
  • How to Avoid Paying Interest
    • Your due date is at least 25 days after the close of each billing cycle. You will not be charged interest on purchases if you pay your entire balance by the due date each month. You will be charged interest on Cash Advances, Balance Transfers, and Convenience Checks on the transaction date.

Fees

  • Annual Fee
    • $0
  • Fees for Cash Advances
    • None if performed at a Navy Federal branch or ATM. Otherwise, $0.50 per domestic transaction or $1.00 per foreign transaction
  • Penalty Fees
    • 18.00%
  • Return Payment
    • Up to $20
  • Late Payment
    • Up to $20
View all Rates & Fees

Pros & Cons

Pros:
  • No Annual Fee
  • No Foreign Transaction Fee
Cons:
  • No welcome bonus

Features

Classic
American Express
  • Low interest
  • No Annual Fee
  • No foreign transaction fees
  • Fraud Protection
  • Rewards
  • Bonus points
  • Purchase Protection
  • Fair Credit
  • Good Credit
  • Excellent Credit

About the issuer

Navy Federal Credit Union
Navy Federal Credit Union has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your

Compare with other cards

First Progress Platinum Select Mastercard® Secured Synovus Bank
First Progress Platinum Select Mastercard® Secured Credit Card
3.5 out of 5
Recommended credit score
score
No Credit History to Fair (0-669)
  • $39
    Annual Fee
  • 18.24%
    Regular APR
  • 1%
    Cash Back on payments made to your First Progress Secured credit card account.
  • None
    Purchase Intro APR
Apply now
On First Progress’s site
The Owner’s Rewards Card by M1 Celtic Bank
The Owner’s Rewards Card by M1
Celtic Bank
3.91 out of 5
Recommended credit score
score
Good to Excellent (670-799)
  • $0
    Annual Fee
  • 17.99% - 27.99%
    Regular APR
  • 10%
    You’ll get up to 10% Cash Back with select brands you hold in an eligible portfolio.
  • None
    Purchase Intro APR
Apply now
On Celtic Bank‘s site
Unsecured
Destiny® Mastercard® First Electronic Bank
Destiny® Mastercard®
First Electronic Bank
1.47 out of 5
Recommended credit score
score
No Credit History to Fair (0-669)
  • *see terms*
    Annual Fee
  • 35.9%
    Regular APR
  • This card doesn't offer cash back, miles or points.
  • None
    Purchase Intro APR
Apply now
On First Electronic Bank‘s site

See Another Credit Cards in the Bank

Navy Federal Credit Union More Rewards American Express® is an option for those, who need Classic features. With an APR of 14.90% - 18.00% and $0 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have Fair to Excellent (580-799) credit score. With Navy Federal Credit Union More Rewards American Express® you will get such features as Low interest, No Annual Fee, No foreign transaction fees, etc. To make sure about either this credit card is good for you or not compare it with other cards with similar features.

Another popular cards for you
Best for Low income
First Access Visa® The Bank of Missouri
First Access Visa® Card
4.2 out of 5
Recommended credit score
scorer
No Credit History to Fair (0-669)
  • $75.00 for the 1st year, $48.00 after
    Annual Fee
  • 35.99%
    Regular APR
  • 1%
    Earn 1% cash back rewards on payments made to your First Access Credit Card.
  • None
    Purchase Intro APR
Apply now
On the First Access Visa® Card secure website