Navy Federal More Rewards AmEx Card, 3x Points on Groceries, Gas & Dining, 30K Bonus Points, No Annual Fee

Everyday rewards that stretch your wallet

The Navy Federal More Rewards card delivers a simple, high-value proposition for U.S. households: 3x points on groceries, gas, dining and transit, plus 1x on everything else. With no annual fee, it’s built for people who want to earn meaningful rewards on routine spending without a recurring cost.

That 3x points structure accelerates point accumulation fast when you use the card for weekly grocery runs, fill-ups and restaurant meals. For cardholders who spend heavily in those categories, the More Rewards AmEx becomes the go-to daily driver.

Sign-up bonus, APR offer and fees

New members can earn 30,000 welcome points after meeting the usual spend requirement in the first 90 days, helping jumpstart travel or cash-back redemptions. The card also includes a 1.99% intro APR on balance transfers for the first 12 months when transferred within the promotional window.

There are no foreign transaction fees, which is great for occasional travel, but remember AmEx acceptance can be spotty overseas compared with Visa or Mastercard. Overall cost is kept low by the absence of an annual fee.

Who qualifies and how to apply

To get this card you must join Navy Federal Credit Union, which primarily serves military members, veterans, Department of Defense employees and immediate family. Membership is straightforward for eligible people and unlocks access to the More Rewards AmEx and other Navy Federal products.

Applying is done through the credit union’s website once you’re a member. If you meet the eligibility rules, completing the membership and card application online typically takes just a few minutes.

Maximizing points and practical tips

Make the Navy Federal More Rewards card your primary option for groceries, gas and dining to build points quickly; combine redemptions for travel, statement credits or gift cards for the best value. Plan larger purchases and necessary expenses on this card during the welcome period to reach the 30,000-point target faster.

Use balance transfers to take advantage of the 1.99% intro APR if you’re consolidating debt, but watch ongoing APRs after the promotional period. Keep a backup Visa or Mastercard when traveling internationally to avoid acceptance issues with American Express.