Navy Federal · American Express · personal · Navy Federal Rewards Points
Seeded from model knowledge (mid-2026), not yet web-verified. Check issuer terms before relying on rates, credits, caps, or protections. Edit data.
Review the linked sources below for offer details and eligibility.
Review the linked sources below for offer details and eligibility.
$0
annual fee
0%
foreign txn fee
$0
credits/yr realistic ($0 face)
$200
sign-up bonus ≈ 20000 points after $1,500/3mo
Earning
| Groceries (supermarkets)
Supermarkets
|
3x | 3% |
| Dining & restaurants
Restaurants incl. food delivery
|
3x | 3% |
| Food delivery apps | 3x | 3% |
| Gas stations | 3x | 3% |
| Transit | 3x | 3% |
| Everything else | 1x | 1% |
Right column: value per $ at travel valuation (1¢/pt).
Credits
None.
Benefits
- No foreign transaction fees
- No annual fee
Protections
| rental car | secondary |
Notes
PARTIALLY WEB-VERIFIED 2026-09-08 against https://www.navyfederal.org/loans-cards/credit-cards.html: 3x groceries, gas, dining and $0 fee confirmed. Protections and any items not listed there are still from model knowledge.