THE CARDTUNED DATABASE
Navy Federal More Rewards American Express Card
Issuer: Navy Federal Credit Union · Network: American Express
3X restaurants/food delivery, supermarkets, gas and transit; 1X other purchases
- Annual fee
- $0
- Foreign transaction fee
- $0
- Intro APR
- No public introductory APR listed; promotional terms, if any, are disclosed in the application.
- Regular APR
- 14.15%–18.00% variable (official terms as of September 25, 2026)
Full card review date:
This date covers the full card review. Individual terms may have been checked separately afterward; see dates noted in the terms and offer below.
Current offer
20,000 points after $2,000 in eligible purchases within 90 days; apply by January 3, 2027
- Spending requirement
- $2,000
- Time window
- 90 days from account opening
- Published end date
- 2027-01-03
Offer last checked: 2026-09-26
Earning rates
Scroll the table horizontally on smaller screens.
| Category | Rate | Eligible purchases and conditions |
|---|---|---|
| Selected categories | 3X | restaurants/food delivery, supermarkets, gas and transit |
| Other purchases | 1X | other purchases |
Restrictions to know
Rewards apply to eligible net purchases only. Merchant coding controls bonus categories; returns, fees, interest, cash advances, balance transfers, and cash-like transactions do not earn rewards. Offer eligibility, category caps, and redemption values follow issuer terms.
Who can apply
Navy Federal membership required.
Credit profile: Not Public / issuer underwriting applies