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Amex3/4 on file
✓ Annual fee checked
Navy Federal Credit Union · Amex

More Rewards American Express Card

No Annual FeeRewardsWelcome Bonus

The More Rewards American Express Card is an Amex card from Navy Federal Credit Union with an annual fee of $0. Here is what we hold on it, and what we do not.

Annual fee$0per yearChecked navyfederal.org
Top earn rate3xon DiningChecked navyfederal.org
Welcome offer20,000 ptsChecked navyfederal.org
Apply on Navy Federal Credit UnionCompare this card
Opens Navy Federal Credit Union’s site

Credit union with branches in: Virginia (66), California (54), Texas (39), Florida (35), Georgia (26), Maryland (25), North Carolina (16), Washington (13) and 24 more. Where it has branches is not a rule on who may apply.

Source: NCUA call report (ncua.gov) · read Oct 7, 2026

Ledger entry

The receipt

Every cost line we hold for the More Rewards American Express Card, exactly as recorded.

Annual fee
$0Checked navyfederal.org
Supplementary card
Not confirmed
Foreign transaction
Not confirmedWe couldn't verify this · check with the issuer
Purchase APR
14.15%–18%Checked navyfederal.org
Income requirement
Not confirmed
Network
Amex
Credit needed
Not confirmed
Sign-up

The welcome offer

We hold the welcome-bonus figures below for the More Rewards American Express Card, but not the terms that earn them — Navy Federal Credit Union’s own page says what you need to do.

Points20,000Checked navyfederal.org
Min. spend$2,000within 90 daysChecked navyfederal.org
Rewards

What it earns

Published category multipliers for the More Rewards American Express Card.

CategoryEarn rateCap
Dining3xNo cap on file
Gas & Fuel3xNo cap on file
Groceries3xNo cap on file
food delivery3xNo cap on file
Transit3xNo cap on file
Other1xNo cap on file
Checked navyfederal.org
Next step

Ready to apply for the More Rewards American Express Card?

You'll finish the application on Navy Federal Credit Union's own site. Terms can change without notice, so check the fee and offer there before you commit.

Apply nowOpens Navy Federal Credit Union’s site
Questions

Questions about the More Rewards American Express Card

How much is the More Rewards American Express Card annual fee?

The More Rewards American Express Card has an annual fee of $0. Weigh that against the rewards and perks you will actually use.

What does the More Rewards American Express Card earn?

The More Rewards American Express Card earns 3x on dining, plus published rates on 5 other categories. The full table is on this page.

What network is the More Rewards American Express Card on?

The More Rewards American Express Card runs on the Amex network, which determines where it is accepted and which network-level benefits apply.

Is the More Rewards American Express Card available in United States?

Yes — the More Rewards American Express Card is issued by Navy Federal Credit Union and is available to eligible applicants in United States. Approval depends on the issuer's own credit and income criteria.

When were the More Rewards American Express Card figures last checked?

We checked its annual fee in October 2026, its purchase APR in October 2026, its earn rates in October 2026 and its welcome offer in October 2026, each against a published document. We could not verify, so we do not print: foreign transaction fee and welcome offer. Check them with Navy Federal Credit Union. Terms can change without notice, so confirm the current details with Navy Federal Credit Union before you apply.