Navy Federal More Rewards American Express
Navy Federal · American Express · no annual fee · earns cash back.
Rates checked against the issuer 2026-09. Foreign transaction fee: none.
The short version
- Best at: nothing in particular — no category puts it in the top three of the catalogue.
- A year's rewards: about $493, with no fee to pay.
Is the annual fee worth it?
No annual fee, so everything it earns is kept: about $493 a year on the illustrative household's spending, which puts it number 16 of 38 the no-fee cards in the catalogue. All of them, ranked.
Priced on an illustrative household spending $2,205 a month on a card — the assumption, in full. Credits and perks are not priced: they are worth their face value only if you would have spent that money anyway.
What it earns, category by category
| Earns on | Rate | Conditions |
|---|---|---|
| Gas Stations, Public Transit, Restaurants & Bars, Food Delivery, Groceries | 3% | Gas, transit, restaurants, food delivery and supermarkets |
| Everything else | 1% |
Where a year's rewards come from
| Spending on | Earns a year |
|---|---|
| Groceries | $180 |
| Restaurants & Bars | $108 |
| Everything Else | $60 |
| Gas Stations | $54 |
| Online Shopping | $18 |
| Utilities | $18 |
Priced on an illustrative household spending $2,205 a month on a card — the assumption, in full. Credits and perks are not priced: they are worth their face value only if you would have spent that money anyway.
What the issuer lists besides rewards
- No foreign transaction fees, no balance transfer fee and no cash advance fee
- Membership is limited to the military community and their families
Similar cards
- Wells Fargo Active Cash — annual fee none
- U.S. Bank Altitude Go — annual fee none
- Goldman Sachs Apple Card — annual fee none
- Wells Fargo Attune — annual fee none
- Every cash back card, ranked
- The best two- and three-card combinations
Point values: published industry valuations. How every number here is worked out.
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