Apply for Navy Federal More Rewards American Express® Card now
Ensure exclusive benefits with the Navy Federal More Rewards American Express® Card - up to 3 points on purchases and more!
The rewards card that everyone should consider
Are you ready to step up your rewards game? This guide will walk you through how to apply for the Navy Federal More Rewards American Express® Card.
It offers an impressive rewards structure with 2 points per dollar spent on necessities such as gas, dining, and groceries. Learn how to make your application in only 4 steps here!
The Navy Federal More Rewards American Express® Card is a rewards card specific to military members
If you are one and want to earn rewards while spending, this card might be something to consider. Here’s how to apply:
You will be redirected to another website
Step 1: Basic Information
Firstly, fill out the application on the Navy website by providing your basic information, including your name, address, and contact details.
Step 2: Credit Score Check
Then Navy Federal will conduct a credit score check.
This process will result in a hard inquiry that may impact your credit score. However, it will be set out by the bureau.
However, you can pre-qualify on the Navy Federal website with a soft pull.
So, it won’t hurt your score if you are not eligible.
Step 3: Text Approval
If you receive approval, Navy Federal will notify you via text if they have your phone number on file.
If you are not approved, you will receive a letter in 30 days with the details.
Step 4: Card in the Mail
Once approved, you can expect to receive your Navy Federal More Rewards American Express® Card in the mail within 7 to 10 business days.
Apply using the app
While the Navy Federal app is designed to manage your account, you cannot apply for the Navy Federal More Rewards American Express® Card using it.
Navy Federal More Rewards American Express® Card vs. Navy Federal Platinum Credit Card
While both cards are military-specific, the Navy Federal More Rewards American Express® Card offers purchase rewards.
In contrast, the Navy Federal Platinum Credit Card does not.
Additionally, the More Rewards card is an American Express card, whereas the Platinum Card is not.
Learn more about the differences between the Navy Federal More Rewards American Express® Card and the Navy Federal Platinum Credit Card below:
Navy Federal More Rewards American Express® Card
- Credit Score: Good to Excellent;
- Annual Fee: $0;
- Purchase APR: 14.65% – 18.00% (variable);
- Cash Advance APR: 2% above variable APR;
- Welcome Bonus: Earn 25k bonus points after spending $3,000 in the first 90 days of account opening;
- Rewards: 3 points at restaurants & food delivery, supermarkets, gas, and transit, plus 1 point on all other purchases.
Navy Federal Platinum Credit Card
- Credit Score: 690-850 (Good – Excellent);
- Annual Fee: $0;
- Purchase APR: 10.99% – 18.00% (Variable);
- Cash Advance APR: 2% higher than the variable APR on purchases;
- Welcome Bonus: N/A;
- Rewards: N/A.
Are you interested in applying for the Navy Federal Platinum Credit Card? Take a look at our post below!
About the author / Suzana Brito
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