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A closer look, side by side.

Fees, rewards, and benefits — with room to see the differences.

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Navy Federal More Rewards American Express Card
Navy Federal
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Annual fee$0
Foreign txn fee0%
RewardsNavy Federal Rewards Points
Credits (realistic / face)$0 / $0
Earning by category
Everything else 1% 1x Navy Federal Rewards Points
Dining & restaurants 3% 3x Navy Federal Rewards Points
Food delivery apps 3% 3x Navy Federal Rewards Points
Groceries (supermarkets) 3% 3x Navy Federal Rewards Points
Online grocery / delivery 3% 3x Navy Federal Rewards Points
Whole Foods Market 3% 3x Navy Federal Rewards Points
Gas stations 3% 3x Navy Federal Rewards Points
Transit 3% 3x Navy Federal Rewards Points
Rideshare 3% 3x Navy Federal Rewards Points
Parking & tolls 3% 3x Navy Federal Rewards Points
Protections
rental carsecondary
cell phone—
purchase protection—
extended warranty—
trip cancellation—
trip delay—
baggage delay—
return protection—
Benefits
No foreign transaction fees✓ No foreign transaction fees
No annual fee✓ No annual fee