Navy Federal · American Express · Personal
Navy Federal More Rewards
A no-annual-fee card earning Flagship Rewards: 3× on 6 categories, 1× on everything else.
- Annual fee
- $0No annual fee
- Signup bonus
- 20,000 ≈ $200 in travel (our estimate)*
- Top rate
- 3×6 categories
- Point value
- 1¢ In travel · 1¢ as cash (our estimate)*
Year one and year two
Is it worth it for you?
Tick the credits you’d really use and enter what you spend. The ledger adds up the bonus, your points and the credits, less the fee.
| Line | Year one | Year two |
|---|---|---|
| Signup bonus 20,000 points · spend $2,000 on purchases in the first 90 days from account opening | $200 | – |
| Points on your spend Enter your spending | $0 | $0 |
| Credits you’d use No statement credits listed | $0 | $0 |
| Annual fee No annual fee | $0 | $0 |
| NetYear one includes the bonus · at your inputs · our estimates* | $200 | $0 |
The bonus needs $2,000 on purchases in the first 90 days from account opening.
Earning structure
7 categories, 2 rates
| Icon | Category | Points per $1 | Worth per $100 (our estimate)* |
|---|---|---|---|
| Dining | 3× | $3.00 | |
| Gas Stations | 3× | $3.00 | |
| Groceries | 3× | $3.00 | |
| Parking | 3× | $3.00 | |
| Toll Fees | 3× | $3.00 | |
| Transit | 3× | $3.00 | |
| All Other | 1× | $1.00 |
The rest of the card
Details, rules and benefits
Card details
- Annual fee
- None
- Card type
- Personal
- Network
- American Express
- Bank
- Navy Federal
- Point system
- Flagship Rewards
- Travel value (our estimate)*
- 1¢ per point
- Cash value (our estimate)*
- 1¢ per point
- Foreign transaction fee
- None
- Transfer partners
- No
- Travel portal redemption
- Yes
- Cash to travel
- No
Application rules2
- Navy Federal Membership
Requires a Navy Federal Credit Union account which is open to active duty, retired, and veteran members of the military, Department of Defense employees, and their families.
- NFCU 91/3
Requires members to wait 91 days from their last credit card approval and have three full billing statements before applying for a new personal unsecured credit card or requesting a credit limit increase (CLI). After the first CLI, subsequent CLIs require a 182-day wait from the last CLI approval, without the statement requirement. This policy ensures responsible credit usage before granting additional credit.
Alternatives
Head to head with similar cards
 Navy Federal More Rewards |  Navy Federal GO REWARDS |  Navy Federal Flagship Travel Rewards |  Ally Everyday Cash Back | |
|---|---|---|---|---|
| Annual fee | $0 | $0Same | $49+$49 | $0Same |
| Signup bonus | 20,000 pts | None | 35,000 pts | None |
| Top rate | 3×6 categories | 3×Dining | 3×7 categories | 3×3 categories |
| Travel value * | 1¢Flagship Rewards | 1¢Flagship Rewards | 1¢Flagship Rewards | –Cash back |
| Why it’s here | This card | Same issuer and the same Flagship Rewards points | Same issuer and the same Flagship Rewards points | Also no annual fee |
* Point valuations are RICH with POINTS™ editorial estimates, averaged from published valuations by The Points Guy, Upgraded Points, and Frequent Miler. They are not issuer figures and do not represent guaranteed redemption value.
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