Navy Federal More Rewards American Express® Card
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The Navy Federal More Rewards American Express® Card is a rewards card designed for members of the Navy Federal Credit Union. To qualify, you or a member of your family must have some connection to the armed forces, Department of Defense, or National Guard. You get a welcome offer with this card and 3x points on gas, groceries, and restaurants. The most remarkable thing about this card is that it offers price protection. The card will pay you the difference in price if you buy an item and then find it advertised for less within 30 days of the purchase. Very few cards still offer this benefit. Another nice benefit is that for a limited time you get a $98 statement credit when you pay $49 or more for a Walmart+ subscription. While there is no 0% intro APR offer, you can get a 1.99% intro APR on balance transfers for 12 months from account opening, then 14.90% to 18.00% variable APR. We dive into the details and your approval odds in this More Rewards Card review.
All information about the Navy Federal More Rewards American Express® Card has been collected independently by allCards.com.
Welcome Offer
Earn 30,000 bonus points when you spend $3,000 within 90 days of account opening.
Our Rating
4.0/5.0
Welcome Offer
Earn 30,000 bonus points
Annual Fee
$0
0% on Purchases
None
Reward Rate
1x – 3x points
0% on Balance Transfers
None
Welcome Offer
Earn 30,000 bonus points when you spend $3,000 within 90 days of account opening.
Features & Benefits
| Security | EMV Chip Enabled, Fraud Monitoring, Zero Liability, Alerts, Card Lock |
| Contactless Payments | Tap to Pay, Apple Pay, Google Pay, Samsung Pay |
| Benefits | Extended Warranty Coverage, Price Protection, Purchase Protection, Return Guarantees, Free credit score access |
| Travel Perks | Access to Special Events and Concerts, Auto Rental Collision Damage Waiver, Roadside Assistance |
Rewards
Interest Rates & Fees
| Annual Fee | $0 |
| Foreign Transaction Fee | None |
| Regular APR | 14.90% to 18.00% (V) APR |
What Credit Score Is Required to Get the Navy Federal More Rewards American Express® Card
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.
Lowest Approved Credit Score: 733
Average Approved Credit Score: 768
| App Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 08/19/2023 | Equifax | ||
| Approved | 08/19/2023 | TransUnion | ||
| Approved | 08/19/2023 | Experian | ||
| Approved | 01/19/2023 | TransUnion | ||
| Approved | 02/15/2023 | Not Provided | ||
| Approved | 02/15/2023 | Not Provided |
Pros & Cons
- Welcome offer
- No annual fee
- No foreign transaction fee
- Up to 3x points
- Must be a Navy Federal Credit Union member
What Are the Best Alternatives?
PenFed Platinum Rewards Visa Signature® Card
Rating
4.5
Rewards Range
1x to 5x points
Annual Fee
No Annual Fee
Capital One SavorOne Cash Rewards Credit Card
Rating
4.5
Rewards Range
1% -10%
Annual Fee
$0
Wells Fargo Active Cash® Card
Rating
4.9
Rewards Range
2%
Annual Fee
$0