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Friday, October 23, 2026 Independent since 2026. We are not a lender.
Hub for Credit

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Navy Federal More Rewards American Express® Card: annual fee, APR and rewards

Fact sheet for the Navy Federal More Rewards American Express® Card, issued by Navy Federal, with no annual fee and points. Every detail below comes from the issuer’s pricing and terms pages, checked on the date shown at the end of the page.

IssuerNavy Federal
NetworkAmerican Express
Annual fee$0
RewardsPoints: 3X points at restaurants and on food delivery, at supermarkets, and on gas and transit; 1X points on everything else.
Purchase APRPurchase & Balance Transfer Variable APR between 14.15% - 18.00%
Balance transfer feeNone
Sign-up bonusEarn 20,000 points when you spend $2,000 within 90 days of account opening:that's a $200 value.
Foreign transaction feeNone
Credit levelExcellent, Good, Fair

What new cardholders actually got

In the CFPB's Terms of Credit Card Plans survey for July to December 2025, new accounts on this card got a median purchase APR of 16.45%, with a range of 14.40% to 18.00%. The advertised range above is what the issuer offers today; the survey shows where approved applicants landed.

Source: Consumer Financial Protection Bureau, Terms of Credit Card Plans survey.

Similar cards

GO REWARDS® Credit Card

Navy Federal

Annual fee
$0
Rewards
Points
APR
13.49% to 18.00%
Credit
Excellent, Good, Fair
  • No annual fee
  • Travel and points
  • 0% intro APR
  • No foreign transaction fee
  • For fair or bad credit
See details

Checked on October 16, 2026 on the issuer's official site. Terms change: confirm before you apply. navyfederal.org/loans-cards/credit-cards/more-rew… · navyfederal.org/loans-cards/credit-cards · navyfederal.org/content/dam/nfculibs/pdfs/credit-…

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Every article is checked against primary sources: the Consumer Financial Protection Bureau, the Federal Reserve and issuer terms. When a number changes, we update the piece and say when.

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