01 · overview
Navy Federal More Rewards American Express
by Navy FederalPoints
20,000 points welcome · 3x on dining · $0 annual fee
Annual fee
$0
No fee
Sign up bonus
20K pts
After $2,000 in 3 mo · ≈ $240
Credits
—
No tracked credits
Median FICO
—
Approved
Median income
—
Approved
Welcome bonus
20K pts
After $2,000 in 3 mo · ≈ $240
Worth $200; offer valid for accounts opened through 6/30/2026
Apply now02 · earn & credits
Earn rates & credits
Earn rates
| Category | Rate |
|---|---|
Dining Includes food delivery | 3x |
Groceries | 3x |
Gas | 3x |
Transit | 3x |
Everything Else | 1x |
Estimated value: 1.2¢/point
Statement credits
No statement credits tracked.
03 · approval odds
Approval odds
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