Navy Federal More Rewards American Express Card Review

The Navy Federal More Rewards American Express card rewards you for spending on everyday categories. If your food, grocery and gas expenses are high, you can quickly rack up reward points at a generous 3x points per dollar for these categories. All other eligible purchases earn you 1x point per dollar.

This card is also relatively low on fees compared to competitors and has no foreign transaction or annual fees. However, you need to have a military background and be a member of the Navy Federal Credit Union to qualify for the Navy Federal More Rewards American Express card credit card.

Navy Federal More Rewards American Express card is a great rewards card for racking up points on everyday spending. It also offers plenty of redemption options making it convenient and easy to use.

• No annual fees
• 3x points per dollar on bonus categories
• Earn 15 points per dollar if you shop online through Navy Federal’s Member Deals platform
• Earn up to 25% discount on car rentals
• Up to 30% off on select hotel bookings through Booking.com on the Amex Benefits platform
• Car rental loss & damage insurance
• Roadside assistance

One of the Navy Federal More Rewards American Express card benefits is that it’s relatively low on fees compared to competitors. However, there are still some key rates and fees you need to be aware of when signing up.

The Navy Federal More Rewards American Express card offers members generous rewards on everyday spending categories like groceries and gas. It also comes with the following standard features

• Retail protection: This card comes with retail protection to cover loss or damage within 90 days of purchase
• Extended warranty: When you pay with your Navy Federal More Rewards American Express card, you get an extended warranty of up to 12 months for eligible purchases.
• Travel and car rental discounts: You can get up to 30% off on eligible hotels when you book on the Amex Benefits travel site. You can also get a 25% discount for car rentals.
• Security features: Cardholders can freeze or unfreeze their accounts in case their cards are lost or stolen. You will not be held liable for any fraudulent transactions on your account and Navy Federal allows you to set up notifications in case of suspicious activity on your card.
• Customer experience: Navy Federal offers cardholders 24/7 access to customer assistance and free access to their FICO scores. You can also get support on the issuer's website which has an instant chat feature.
• Customer satisfaction: Navy Federal Credit Union scored highest for customer satisfaction among regional banks and credit unions in the J.D. Power 2021 Credit Card Satisfaction Study.

If you are a Navy Federal Credit Union member, the Navy Federal More Rewards American Express card is hard to beat in terms of rewards, fees and perks. However, if you prefer a card with more flexibility and a 0% introductory APR, options like the Capital One Quicksilver Cash Rewards Credit Card card may be a better fit for you.