Navy Federal More Rewards American Express
No annual fee · 1x on everything else · no foreign transaction fees
Earn rates
| Category | Rate | Cap |
|---|---|---|
| Groceries | 3x | uncapped |
| Gas | 3x | uncapped |
| Dining | 3x | uncapped |
| Transit | 3x | uncapped |
| Everything else | 1x | uncapped |
See how it ranks: best groceries cards · best gas cards · best dining cards · best transit cards.
Non-cash perks
- Membership required (Navy Federal: armed forces, DoD, veterans and their families)
- No foreign transaction fees or cash advance fees
Does the fee earn out?
No annual fee, so every point earned is pure upside. The question is only whether its rates beat the other cards already in your wallet — which depends on your spending, not the card.
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
Compared head-to-head
Comparing cards in the same currency? See the best cards that earn Navy Federal points →
More from Navy Federal
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-09-02 against issuer terms · sources: www.navyfederal.org. Spot an error? Tell us.