Navy Federal More Rewards American Express

This is the strongest everyday earner in Navy Federal's lineup for a card that costs nothing to hold: 3 points per dollar on dining including food delivery, groceries, gas, and transit, which covers most of a typical household budget. The welcome offer is 20,000 points worth $200 after $2,000 in purchases within 3 months, a low bar for that return, and there is no foreign transaction fee. The gap is the 1 point per dollar base rate, so anything outside those four categories belongs on a flat-rate card, and there are no annual credits or statement perks to fall back on. The ongoing APR of 14.15% to 18% is unusually low for a rewards card, and Navy Federal charges no balance transfer fees here. Car rental discounts of up to 25% with loss and damage insurance are a small but real extra. Pair it with a 2% catch-all and it does a lot of work for free.