Navy Federal
Navy Federal More Rewards American Express
Annual Fee
$0
Sign-up Bonus
20,000 pts
Where It Wins, Where It Doesn't
Generated from the card's data against our full catalog, not editorial opinion.
- 3x on dining (catalog median is 2x)
- 3x on fast food (catalog median is 2x)
- 3x on grocery (catalog median is 1.5x)
- No annual fee
- Non-bonus spending earns only 1x
What It Earns
Net annual value (rewards + credits at typical usage, minus the fee) at three reference spending profiles. Signup bonuses excluded.
Everyday
Groceries, gas, and dining out a few times a month ($24,000/yr)
+$504/yr
$504 rewards
Foodie
Heavy dining and delivery, lighter on travel ($26,000/yr)
+$560/yr
$560 rewards
Traveler
Several trips a year with flights and hotels ($28,000/yr)
+$460/yr
$460 rewards
Rewards by Category
Dining
3x
Grocery
3x
Gas
3x
Flights
1x
Hotels
1x
Other Travel
1x
Online Shopping
1x
Rideshare
1x
Streaming
1x
Amazon
1x
Other
1x
Apple
1x
Cell Phone
1x
Fast Food
3x
Home Utilities
1x
Internet
1x
Walmart
1x
Point value: 1.0 cents per point
The Fine Print That Changes the Math
3x on restaurants, supermarkets, and gas. 1x everywhere else. No annual fee. Military members and families.
Navy Federal More Rewards American Express FAQ
What is the Navy Federal More Rewards American Express annual fee?
The Navy Federal More Rewards American Express has no annual fee.
What is the Navy Federal More Rewards American Express signup bonus?
20,000 points for new cardholders meeting the minimum spend. Check the issuer's site for the current offer.
What are the best spending categories for the Navy Federal More Rewards American Express?
3x on dining, 3x on fast food, 3x on grocery. Everything else earns 1x.
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