Points · American Express · No annual fee
Last verified 2026-09-09. Review issuer source
Navy Federal More Rewards American Express is a no-annual-fee points card from Navy Federal Credit Union. Its best everyday rates are 3x on dining, 3x on gas stations, and 3x on grocery stores; everything else earns 1x.
On our reference budget of $24,600 a year it returns about $546, an effective 2.2% back. The welcome bonus, 20,000 points after $2,000 in 90 days, adds to the first year's return.
Put the bonus categories on it and everything else on a flat 2% card. On its own the base rate drags the average down.
3X points at restaurants and on food delivery
3X points on gas
3X points at supermarkets
3X points on trransit
You could earn 20,000 bonus points when you spend $2,000 within 90 days of account opening. And, get a statement credit for an annual Walmart+ membership.
Provides coverage against damage to or loss of a rental automobile rented in the USA or Canada with the Card.
Extends the terms of original manufacturers' warranties (of twelve months or less) on a covered product purchased entirely with the Card for a period of time equal to the duration of the original manufacturer's warranty, up to one additional year, on products purchased in the United States.
Protects a covered item purchased entirely with the Card against accidental damage and theft for 90 days from the date of purchase, in excess of other applicable insurance.
Enables Covered Cardmembers to be reimbursed for covered items if they attempt to return them undamaged to the retailer, but the retailer will not accept the return.
Provides roadside assistance, towing and transport if the Covered Person's car becomes unusable while traveling, vehicle replacement while the Covered Person's car is being repaired, a replacement driver if the Covered Person becomes medically unfit to drive during a trip continuation of journey or return home if the Covered Person's car is lost or unusable.
$98 one-time statement credit when you purchase an annual Walmart+ subscription.
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| Navy Federal More Rewards American Express®This card · 3x on dining | None | $546 | +$546 | Not ranked |
| Savor RewardsThe strongest no-fee card on this budget · 3% on dining | None | $642 | +$642 | 4th of 1,291 |
| Robinhood Gold CardHighest net return on this budget · 3% on everything | $50 | $798 | +$748 | 1st of 1,291 |
Reference budget: groceries $6,000, dining and restaurants $3,600, gas and ev charging $2,400, travel and transit $3,000, online shopping $2,400, entertainment and streaming $1,200, everything else $6,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. This card is not in the ranking because its issuer limits who can apply. Run it with your own spending.
