Navy Federal More Rewards American Express®
Issued by Navy Federal Credit Union
Rates verified May 2026
Welcome Bonus
You could earn 20,000 bonus points when you spend $2,000 within 90 days of account opening. And, get a statement credit for an annual Walmart+ membership.
Rewards Rate
1x points · up to 3x on Dining
Annual Fee
No annual fee
Recommended Credit Score
excellent
You'll be taken to the issuer's secure application
Rewards Program
1x points · up to 3x on Dining
Welcome Offer
You could earn 20,000 bonus points when you spend $2,000 within 90 days of account opening. And, get a statement credit for an annual Walmart+ membership.
Annual Fee
No annual fee
APR
Variable APR based on creditworthiness
Foreign Transaction Fee
None
Recommended For
Dining, Gas Stations, Grocery Stores, Transit
Why We Recommend This Card
3.0% on Dining
3.0% on Gas Stations
3.0% on Grocery Stores
You could earn 20,000 bonus points when you spend $2,000 within 90 days of account opening. And, get a statement credit for an annual Walmart+ membership.
Car Rental Loss and Damage Insurance
Provides coverage against damage to or loss of a rental automobile rented in the USA or Canada with the Card.
Extended Warranty
Extends the terms of original manufacturers' warranties (of twelve months or less) on a covered product purchased entirely with the Card for a period of time equal to the duration of the original manufacturer's warranty, up to one additional year, on products purchased in the United States.
Retail Protection
Protects a covered item purchased entirely with the Card against accidental damage and theft for 90 days from the date of purchase, in excess of other applicable insurance.
Return Protection
Enables Covered Cardmembers to be reimbursed for covered items if they attempt to return them undamaged to the retailer, but the retailer will not accept the return.
Walmart+
$98 one-time statement credit when you purchase an annual Walmart+ subscription
Network benefits (American Express) — 1 standard protection
Roadside Assistance
Provides roadside assistance, towing and transport if the Covered Person's car becomes unusable while traveling, vehicle replacement while the Covered Person's car is being repaired, a replacement driver if the Covered Person becomes medically unfit to drive during a trip continuation of journey or return home if the Covered Person's car is lost or unusable.
Direct to the Issuer
The Apply button takes you to Navy Federal Credit Union's own application
Verify Current Terms
Confirm rates, fees, and the welcome offer on the issuer's page before applying
No Data Shared
We never see or handle your application information