Navy Federal More Rewards American Express

The More Rewards stands out for how much everyday spending it covers at 3 points per dollar: dining (including food delivery), groceries, gas, and transit, all with no annual fee. That lineup makes it one of the more practical no-fee cards for a household that spends most of its budget in those four areas. The signup bonus adds 20,000 points, worth $200, after $2,000 in spending in the first three months for applications through 1/3/2027. The catch is the 1 point per dollar on everything outside those categories, so it pays to keep a flat-rate card for the rest. No foreign transaction fees and no balance transfer fees are nice extras, but the real reason to carry it is that broad 3x core.