Navy Federal More Rewards American Express review
Its best category is gas, at 3% back, though other cards earn more there.
- Updated October 17, 2026
- $0 annual fee
- Earns Navy Federal Rewards points
- 106 cards compared
Who it suits
Navy Federal More Rewards American Express
- Earns the most on gas: $3.00 back on $100, #9 of 106.
- No annual fee, so it earns from the first dollar.
Rates change, so verify them with the issuer before you apply.
See if it beats your cards on gasWhere it earns the most
What it earns on a $100 purchase in each category, and where that places it among the 106 cards we track.
| Category | On $100 | Rank |
|---|---|---|
| Dining | $3.00 3% | #20 of 106 |
| Groceries | $3.00 3% | #12 of 106 |
| Gas | $3.00 3% | #9 of 106 |
| Travel | $1.00 1% | #84 of 106 |
| Airfare | $1.00 1% | #84 of 106 |
| Hotels | $1.00 1% | #84 of 106 |
| Transit | $3.00 3% | #9 of 106 |
| Streaming | $1.00 1% | #87 of 106 |
| Drugstores | $1.00 1% | #80 of 106 |
| Online shopping | $1.00 1% | #80 of 106 |
| Wholesale clubs | $1.00 1% | #79 of 106 |
| Everything else | $1.00 1% | #78 of 106 |