Navy Federal More Rewards American Express 25,000-30,000 Point Bonus

Some are seeing 30,000 points instead of 25,000.

The Offer

Direct link to offer

• Navy Federal Credit Union is offering 25,000 points after $3,000 in spend within the first 90 days when you open a new Navy Federal More Rewards American Express card

Card Details

• Bonus valid until 12/31/17. Still available
• Card earns at the following rates:
  • 3x points per $1 spent at supermarkets and gas stations
  • 2x points per $1 spent at restaurants
  • 1x point per $1 spent on all other purchases
• No sign up bonus
• No annual fees
• No foreign transaction fees
• No balance transfer fees
• Points are same as those on other NFCU cards (e.g GO REWARDS & Flagship)
• Points are worth 1¢ towards travel and there is a minimum redemption of 5,000 points (1,000 for digital downloads and 3,000 for gift cards)

Eligibility

• Eligibility to NFCU is for military members, associated persons and their family. See more here.

Our Verdict

When the card first launched it had no sign up bonus, I said I expect we’d see one in the future and here we go. Using the card for all other purchases, restaurants and gas stations doesn’t make a lot of sense as there are better cards out there for those categories. There are better cards for grocery store purchases as well, but those all have limits. For unlimited cards 3x is the best you can get so there might be some long term use there for some people. Thankfully the card also has no annual fee and is an American Express (so can be used for AmEx offers via Twitter). A bonus worth $250 isn’t bad, but the spend requirement is quite high for such a bonus.

If you want to know more about NFCU credit cards I’d recommend reading this post. This card and bonus definitely isn’t for everybody, but could be useful to some. Given the restricted membership, high minimum spend requirement and only the mid tier sign up bonus I won’t be adding this bonus to the best credit card bonus page.