Navy Federal More Rewards

Navy Federal

Membership required

Key facts

Annual fee$0
RewardsPoints
Everything else earns1x points
Minimum credit score650

Earn rates

Category	Rate	Cap
Dining	3x points	No cap stated
Groceries	3x points	No cap stated
Transit	3x points	No cap stated
Gas	3x points	No cap stated
Everything else	1x points	No cap stated

Signup bonus

20,000 points after $2,000 of spend in the first 3 months.

Offer expires 2027-01-03.

Applying

Foreign transaction fee: 0%

Navy Federal membership required (all branches of the military, veterans, Department of Defense employees and their immediate family members).

Issuer's page for this card

Membership required

Armed forces servicemembers, veterans and retirees; their immediate family and household members; Department of Defense civilian personnel.

Servicemembers in all branches of the armed forces are eligible for membership. This category includes: Active Duty members of the Army, Marine Corps, Navy, Air Force, Coast Guard, National Guard and Space Force; Delayed Entry Program (DEP); DoD Officer Candidate/ROTC; DoD Reservists; Veterans, retirees and annuitants
Immediate family members include: Parents; Grandparents; Spouses; Siblings; Children (including adopted and stepchildren); Grandchildren; Household members
Our field of membership also covers DoD civilian personnel, who support our armed forces. This category includes: DoD civilian employees; U.S. Government employees assigned to DoD installations; DoD contractors assigned to U.S. Government installations; DoD civilian retirees and annuitants

How to join

Notes

3X at restaurants and on food delivery, supermarkets, gas and transit; 1X other. 20,000 points = $200 (1 cent per point); redeem for cash, travel, gift cards or merchandise. No rewards limit or expiration. Modeling note: travel_portal uses a flat catalog cents-per-point on combined travel_air + travel_hotel + travel_other needs; portal-only earn bonuses, portal redemption caps, and partner-specific transfer ratios are not included in optimizer ranking.

Terms as of 2026-09-10. Hand-curated approximate terms; verify with the issuer before applying. Annual credits are rough fee offsets, not a calendar of every perk or lounge access. Cardflare is not affiliated with Navy Federal; the card name is its owner's trademark.

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