Navy Federal
Navy Federal More Rewards American Express® Card
Cash back only
Annual fee
No annual fee
Welcome bonus
20,000 points ($200) after $2,000 in 90 days
Min spend
$2,000 in 90 days
Recommended credit
Good (670+)
Offer last verified July 14, 2026. How we verify.
Earning rates
3x points at supermarkets, gas stations, restaurants, food delivery, and transit
1x point on all other purchases
Features & benefits
20,000-point welcome bonus after $2,000 in 90 days
No annual fee and no foreign transaction fee
Requires Navy Federal membership (military affiliation)
How does it rank for your spending?
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