OOpenCard

Navy Federal More Rewards American Express® Card

Navy Federal Credit Union

No Annual Fee
Annual Fee
amexGood → ExcellentNo Foreign Transaction Feecash-backno-annual-feelast month

Welcome Offer

20,000 pts(≈ $200)Spend $2,000 within 3 months

Earning Rates

4×Dining4x points at restaurants
3×Gas Stations3x points at gas stations
3×Groceries3x points at grocery stores
2×Travel (airfare, hotels)2x points on travel (airfare, hotels)
1×All Other Purchases1x point on all other purchases

Insurance

Trip Delay
Rental InsuranceSecondary
Purchase Protection
Extended Warranty

Application Rules

Sources

Last Updated: Apr 16, 2026