14.15%–18.00% variable APR with 3x points on groceries, restaurants, transit, and gas.
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Good–Excellent credit — Membership required; armed forces, DoD, veterans, and their families
ClearValue Rating: 4.2 / 5 — our editorial assessment (how we rate)
Editorial confidence (30%), cost (25%), value (25%), accessibility (20%) — scored consistently across every product, independent of compensation.
Navy Federal members who spend heavily on groceries and dining and want the highest-earning rewards structure among low-APR cards.
The Navy Federal More Rewards American Express Card has no annual fee. The variable APR is 14.15%–18.00%, based on creditworthiness and the U.S. Prime Rate. The card earns 3 points per $1 at supermarkets, restaurants, transit merchants, and gas stations, and 1 point per $1 on all other eligible purchases. Navy Federal membership is required.
| Year 1 value | Ongoing value |
|---|---|
| 3x points on groceries, restaurants, transit, gas; 14.15%–18.00% variable APR; no annual fee | 3x groceries / restaurants / transit / gas; 1x other; 14.15%–18.00% variable APR; no annual fee; points don't expire while account is open |
| Verify current APR range and rewards categories at navyfederal.org before applying — Navy Federal can update category eligibility | |
Navy Federal More Rewards American Express® Card — 14.15%–18.00% variable APR with 3x points on groceries, restaurants, transit, and gas. Best for: Navy Federal members who spend heavily on groceries and dining and want the highest-earning rewards structure among low-APR cards.. Compare it against alternatives before applying; the right fit depends on your situation, credit, and goals.
Both carry the same 14.15%–18.00% variable APR range (verified June 10, 2026) and no annual fee. The key difference is category coverage: GO REWARDS earns 3x at restaurants and 2x at gas stations; More Rewards Amex earns 3x at supermarkets, restaurants, transit, AND gas stations. For members who spend heavily on groceries or transit, the More Rewards Amex typically produces higher total points. If your spending is concentrated on dining and gas, the GO REWARDS is equivalent. Verify current category lists at navyfederal.org.
Yes — it runs on the American Express network, issued by Navy Federal Credit Union. Navy Federal processes the account; American Express provides the payment network. For most purchases, this works like any Amex card. Acceptance at some merchants (particularly smaller businesses and some international locations) may be lower than Visa. Confirm the card's acceptance for your regular spending patterns.
No. ClearValue Lending is not a bank, card issuer, lender, or financial advisor. The Navy Federal More Rewards American Express® Card is issued and operated by Navy Federal Credit Union. APRs, fees, rewards rates, and terms are determined solely by Navy Federal and may change — verify current terms at navyfederal.org before applying.
How we rate
Every pick gets a 1–5 ClearValue Rating computed from four weighted factors: Editorial confidence (30%), Cost (25%), Value (25%), and Accessibility (20%).
Scored consistently across every product and independent of any compensation. Full methodology →
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