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Navy Federal · credit
Last updated
Welcome offer — 20,000 points after $2,000 spend in 90 days Verified by source
Apply on Navy Federal's siteOfficial issuer page (not an affiliate link yet) · how we earn
Typically needs good credit (670–739) — guideline, not a guarantee · Set your credit profile
Personalize this for you add your cards & memberships and we'll show what it's really worth to you.
What this card delivers across six value dimensions (0–100, normalized).
| 3× | Supermarkets Verified by source |
|---|---|
| 3× | Restaurants & food delivery Verified by source |
| 3× | Gas Verified by source |
| 3× | Transit Verified by source |
| 1× | Everything else Verified by source |
No lounge access.
| Rental car CDW | Car rental loss & damage (secondary) plus rental discounts Inferred by source |
|---|
Using Navy Fed More Rewards at an ATM is a cash advance, not a normal purchase — it costs a fee, starts charging interest the same day (no grace period), and earns no rewards.
| Cash advance fee | $0 — no cash advance fee (non-Navy-Federal ATM owner fees may still apply) Verified by source |
|---|---|
| Cash advance APR | 18.00% variable; no grace period Inferred by source |
| Foreign ATM | Cash advance with no foreign transaction fee — but the ATM operator may add its own surcharge. |
ATM operator surcharges are set by the machine, not the card. To avoid all of this, use a debit card or cash for ATM withdrawals.
*Realized/net assume full use of non-spend-gated credits — an upper bound. Personalize it
The Navy Federal More Rewards American Express® Card has no annual fee.
The Navy Federal More Rewards American Express® Card earns 3x on supermarkets, 3x on restaurants & food delivery, 3x on gas.
No — the Navy Federal More Rewards American Express® Card does not include airport lounge access.
No — the Navy Federal More Rewards American Express® Card has no foreign transaction fee, so it's a good card to use abroad.
20,000 points after $2,000 spend in 90 days. Welcome offers change frequently — confirm the current one on the issuer's page before applying.