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Navy Federal Credit Union American Express Card

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Navy Federal More Rewards American Express Cards Outstanding Benefits

Where Are My Account and Routing Numbers? | Navy Federal Mobile App
  • Flight discounts: You can get a discount of up to 10% on select flights with Delta Air Lines if you book the trip through the American Express travel website.
  • Rental car savings: You can get up to 25% off your rental car worldwide when you book through the credit unions reservation line.
  • Entertainment access: The card offers early access to tickets for various events and experiences through its entertainment website.

How To Use The Navy Federal More Rewards Card:

  • Use it to pay for all U.S. supermarket and gas station purchases.
  • Keep your account open until youve redeemed all awards.
  • Use it when traveling overseas to take advantage of no foreign transaction fees.
  • Take advantage of NFCUs Member Deals site to earn additional points and savings on your purchases with the card.
  • Get a 25% discount on car rentals from participating agencies.

Our reviews and best card recommendations are based on an objective rating process and are not driven by advertising dollars. However, we do receive compensation when you click on links to products from our partners. .

*All information about the American Express Everyday Preferred card and Navy Federal More Rewards American Express card has been collected independently by The issuer did not provide the content, nor is it responsible for its accuracy.

All reviews are prepared by staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the banks website for the most current information.

Responses to comments in the discussion section below are not provided, reviewed, approved, endorsed or commissioned by our financial partners. It is not our partners responsibility to ensure all posts or questions are answered.

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How To Maximize Your Rewards

Earn 20,000 bonus points when you spend $2,000 within 90 days of account opening . Make sure to use the card whenever you can, but especially when you will earn bonus rewards.

Also, check the credit unions Member Deals platform regularly to see if you can take advantage of extra rewards on purchases youre planning to make.

Of course, make sure to keep your spending in check to avoid credit card interest, which can offset the value you gain with rewards. In an ideal scenario, youd be able to pay off your balance in full every month to avoid interest charges.

When it comes to redeeming your rewards, check the redemption rate to make sure youre getting the most value possible, which is 1 cent per point. Try to avoid redemptions that give you less than that amount.

Generous 3x Bonus Categories

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The Navy Federal More Rewards card earns high marks for its strong 3:1 rewards at supermarkets which, unlike the American Express EveryDay Preferred card*, doesnt have an annual cap. Road trippers and business travelers will enjoy that same generous rate on gas station purchases, while cardholders who frequently dine out are sure to appreciate the cards 3:1 rewards at restaurants.

And, if you dont own a car and rely on public transit or ride-sharing, youre also in luck, because the card now offers 3 points per dollar on transit purchases. The base reward for general purchases is 1 point per dollar.

Depending on your spending habits, the cards rewards program makes it a good option for everyday use, especially when you factor in no annual fee and average yearly savings of $437 .

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Navy Federal More Rewards American Express Card* Vs Blue Cash Preferred Card From American Express

Another option to consider that also earns elevated rewards on grocery stores and gas station purchases is the Blue Cash Preferred. The card earns 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases , 6% cash back on select U.S. streaming subscriptions, 3% cash back at U.S. gas stations and on transit and 1% cash back on other eligible purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. It also has a $0 intro annual fee for the first year, then $95 annual fee .

The Blue Cash Preferred is more rewarding when it comes to supermarket spending, but the Navy Federal More Rewards card offers upfront discounts on travel and price protectionattributes rarely found on a no-annual-fee credit card that can save you significant money if utilized. The best choice here is the one that best aligns with your spending patterns.

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Good Perks For No Annual Fee

For a card with no annual fee, the Navy Federal More Rewards offers an impressive array of benefits. Perks include access to presale tickets, special events and experiences emergency assistance roadside assistance car rental loss and damage insurance extended warranty purchase protection and more. Card members are also eligible for a 25% discount on car rentals from a select list of agencies.

The lack of a foreign transaction fee a feature usually reserved for cards with high annual fees is also notable. What this means is you can use the Navy Federal More Rewards to build up rewards while traveling without having to worry about racking up excessive fees, too.

Navy Federal More Rewards American Express Card

Money Minute – Consolidating Card Balances

Earn 20,000 bonus points when you spend $2,000 within 90 days of account opening. Expires on January 2, 2023.

Rewards Earning Rate 3 points per dollar at gas stations, supermarkets, restaurants and commuting expenses. 1 point per dollar on all other purchases.
Balance Transfer Fee

The Navy Federal More Rewards American Express® Card is not one of our top-rated rewards credit cards. You can review our list of the best rewards credit cards for what we think are better options.

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Navy Federal More Rewards American Express Card Review

We recommend the best products through an independent review process, and advertisers do not influence our picks. We may receive compensation if you visit partners we recommend. Read our advertiser disclosure for more info.

The Navy Federal More Rewards American Express® card offers triple the points on select everyday spending categories and carries few fees. To be eligible for this card, you need to be a member of the Navy Federal Credit Union.

Navy Federal Credit Union More Rewards American Express Credit Card Reviews

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Is The Navy Federal More Rewards Amex For You

The More Rewards American Express card from Navy Federal Credit Union is a solid pick among credit cards for everyday spending.

Among no-annual-fee credit cards, earning an uncapped 3 points per dollar spent on groceries, gas, transit and dining is best-in-class. Earnings on this card are easy to redeem for cash back starting at 5,000 points and the welcome bonus is generous for an everyday spending card.

Once you consider that this credit card offers retail protections on par with many premium credit cards, the value proposition is hard to pass up as long as you are eligible for and willing to apply for membership with Navy Federal Credit Union.

To view rates and fees for the Blue Cash Preferred® Card from American Express please visit this page.

Navy Federal More Rewards American Express Card* Vs Us Bank Altitude Go Visa Signature Card

Navy Federal Go Prepaid Card : Navy Federal American Express Relaunch ...

If youre looking for a no-annual-fee credit card that earns generous rewards on dining out or ordering in, rather than cooking at home, consider the U.S. Bank Altitude® Go Visa Signature® Card. This card earns 4 points per dollar on dining, takeout, and restaurant delivery, 2 points per dollar at grocery stores, grocery delivery, gas stations and on streaming services and 1 point per dollar on all other eligible purchases.

Points can be redeemed at a value of one cent each for cash-back statement credits or against purchases that youve already made through U.S. Banks Real-Time Rewards system.

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This Card Is Best For

  • Resists or refuses an annual fee on principle or due to costAnnual Fee Averse
  • Seeks to maximize points or miles earnings across spending categoriesRewards Strategist

The Navy Federal More Rewards American Express® card is designed for members of the credit union who want to rack up a lot of rewards on their everyday spending. Theres no cap on how much you can earn in bonus points at supermarkets and restaurants or on gas and transit.

Note that this card also doesnt charge a cash advance fee in most instances. However, its still a good idea to avoid using the card for that purpose. The cash advance APR is 2% higher than your regular purchase APR, and cash advances typically start accruing interest immediately instead of giving you a grace period as regular purchases do.

Finally, the card is available to people with average to excellent credit, which typically means a FICO credit score of 580 or higher. In contrast, most of the best rewards credit cards require good credit at the very least, which starts at a 670 FICO score.

Fees To Watch Out For

The Navy Federal More Rewards American Express® cards fees are lower on the whole than those of most credit cards. Theres no balance transfer fee or cash advance fee if you request the advance at an eligible branch or ATM, and it also doesnt charge a foreign transaction fee. Whats more, the cards late and returned payment fees are lower than most cards charge.

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Other Navy Federal More Rewards Amex Benefits

The More Rewards American Express from Navy Federal Credit Union offers a number of additional benefits. Notably, many of the retail and shopping benefits offered are generally associated with premium credit cards that charge an annual fee.

  • Entertainment Access: Get early access to purchase tickets for shows, sports and concerts.
  • Roadside Assistance: Get access to pay-per-use roadside assistance.
  • North America Car Rental Loss and Damage Insurance: Provides coverage in excess of other insurance against damage to or loss when your rental car is charged to the card.
  • Retail Protection: Provides coverage for lost, stolen and damaged retail goods within 90 days of purchase.
  • Extended Warranty: Doubles the manufacturers warranty, on warranties of 12 months or less, for eligible items you purchase with the card.
  • Return Protection: If you try to return an item and the merchant wont accept it, this benefit may refund you. Provides coverage for up to 90 days from date of purchase.
  • Best Value Guarantee : If you find a better advertised price for an eligible item you purchased within 30 days, you can submit a request for a refund of the difference in price.
  • Travel and Car Rental Discounts. Get a discount of up to 30% on select hotels when you book through on the American Express® travel site and up to 25% off with major car rental companies worldwide.

Why Get The Navy Federal More Rewards Card

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  • You already belong to Navy Federal Credit Union or can qualify for membership.
  • You regularly use credit cards to pay for everyday purchases.
  • You have kids or otherwise require a large budget for grocery shopping.
  • You dine out frequently and want to cash in on the cards restaurant rewards.
  • You want to earn 3X points on your Uber rides or daily subway commutes.
  • You prefer a variety of options when it comes to redeeming rewards.

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Flexible Redemption Options With A Catch

Card rewards are redeemable through the Navy Federal Rewards website not American Express Membership Rewards program and can be used for gift cards, merchandise, travel and cash back. Also, airfare, hotels and car rentals must be booked directly through this site, giving you a little less freedom than cards such as the Capital One Venture Rewards Credit Card, which allows you to redeem any travel purchase for a statement credit.

Navy Federal More Rewards American Express Card* Vs Citi Double Cash Card

For those wanting value and simplicity in a no-annual-fee card, it is hard to beat the Citi Double Cash. The Citi Double Cash earns an 2% cash back on all purchases1% when purchases are made and another 1% when theyre paid off.

While the Citi Double Cash does not offer either boosted earning rates in specific spending categories or the same level of retail protections as the More Rewards card does, its a solid choice if you dont want to worry about bonus categories and would prefer to earn a net 2% back on every purchase you make.

Rewards earned with the Citi Double Cash come in the form of Citi ThankYou points, which can be redeemed in a variety of ways, including cash back to a bank account, gift cards or donations to charity. And if you also have an eligible Citi travel card, you can transfer your points to Citis airline and hotel partners so you can redeem award travel with your favorite loyalty programs.

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