Cash Back card · Navy Federal
Navy Federal More Rewards
Navy Federal More Rewards is the no-fee card for everyday spending: 3 points per dollar on gas, groceries, transit and dining, with no annual fee as of 2026. Annual fee: No annual fee (as of 2026).
Card facts
| Issuer | Navy Federal |
|---|---|
| Network | American Express |
| Type | Cash Back |
| Annual fee | No annual fee (as of 2026) |
| Rewards | 3 points per dollar on gas, groceries, transit and dining, and 1 point per dollar on everything else. |
| Interest rate | Variable — the issuer's official page lists the current rate. |
Every fact above is taken from the sources listed below; anything no source states is left blank rather than guessed. Annual fees and rewards change — every figure on this page carries its year, and the issuer's official page is always the current one.
Rewards, in plain words
3 points per dollar on gas, groceries, transit and dining, and 1 point per dollar on everything else.
Who it is built for
Built for military members and their families whose spending is spread across gas, groceries and dining.
Current details — visit the official Navy Federal More Rewards page. Annual fees, rewards and interest rates change; the issuer's own page is always the current one.
More cards from Navy Federal
Other cards from the same issuer in this library.
- Navy Federal Flagship Premier Visa Signature Card · Travel · $49 (as of 2026)
- Navy Federal Platinum · Balance Transfer · No annual fee (as of 2026)
- Navy Federal cashRewards · Cash Back · No annual fee (as of 2026)
More Cash Back cards
American Express Everyday Card
2 points per dollar at US supermarkets (up to $6,000 in purchases a year), and 1 point per dollar on everything else.
Apple Card
3% Daily Cash back at Apple and select merchants, 2% Daily Cash back on purchases made with Apple Pay, and 1% Daily Cash back on purchases made with the physical card.
Bank of America Customized Cash Rewards
3% cash back in a category the holder chooses (up to $2,500 in combined purchases a quarter), 2% cash back at grocery stores and wholesale clubs, and 1% cash back on everything else.
Bank of America Unlimited Cash Rewards
1.5% cash back on every purchase, with no spending limit on the flat rate.
Frequently asked questions
What is the Navy Federal More Rewards?
Navy Federal More Rewards is the no-fee card for everyday spending: 3 points per dollar on gas, groceries, transit and dining, with no annual fee as of 2026.
Does the Navy Federal More Rewards have an annual fee?
No — the card has no annual fee (No annual fee (as of 2026)).
What rewards does the Navy Federal More Rewards earn?
3 points per dollar on gas, groceries, transit and dining, and 1 point per dollar on everything else.
Who issues the Navy Federal More Rewards?
The Navy Federal More Rewards is issued by Navy Federal and runs on the American Express network.
Sources
- https://www.navyfederal.org/loans-cards/credit-cards/ — Issuer's card list
- https://www.navyfederal.org/loans-cards/credit-cards/more-rewards.html — Issuer's official card page
Page last updated 14 November 2026.