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Update 3/4/19: Bonus has increased to 30,000 points
Update 10/01/18: Bonus is back to 25,000 points.
Update 03/01/18: Navy Federal Credit Union has added a sign up bonus to the ‘Navy Federal More Rewards American Express Card‘. Previously this card has had no public sign up bonus, but we have seen targeted bonuses of up to 30,000 points. According to NFCU they offered a public bonus of 25,000 points at the same time they offered the targeted 30,000 point bonus so it might be wise for a better bonus to come along.
Contents
Card Basics
- Sign up bonus of 30,000 points after $3,000 in spend within the first 90 days of account opening
- 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 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)
Our Verdict
It’s nice to see them finally adding a sign up bonus on this card, I thought they should have launched it with one. Overall card is not terribly exciting, 3x at supermarkets might be useful for some people but there are better options out there. The same is true for gas station purchases. Using the card at restaurants or all other purchases doesn’t make any sense at all as there are cards that earn 2%+ cash back on all purchases (plus cards that earn at a higher rate on restaurant purchases specifically).
View Comments (45)
Got a possible targeted 30000 point sign up. 12 months 0% APR
I cannot find the cash value of theses points.
This offer is good again until the end of August. https://www.navyfederal.org/loans-cards/credit-cards/offers/more-rewards.php
https://www.doctorofcredit.com/navy-federal-american-express-relaunch-30000-points-signup-bonus/
@will Article needs an update. NFCU revamped or upgraded the card, per my flier. Earns:
3X points at supermarkets
3X points on gas and transit
3X points at restaurants
Not very exciting, but better than it was. I am targeted/preselected for the 30K bonus. Debating. 40K would have sealed the deal.
https://navyfederal.org/ccoffer/24666
In a moment of weakness and FOMO, did the 30K offer. It was a preselected offer under my NCFU login, so I applied from there. Both TU/EQ HP's alarms went off as soon as I hit submit. Approx 800 FICO, 3/12, 14/24, instant approval, $20K CL, even though I have 25+ open credit card accounts with about 12 different banks. 0% interest for 12 months.
Same as John, seeing 40k points for $4k spend at http://www.navyfederal.org/rewardsoffer
Address they directed me to on a mailer last month.
Any idea if I can use this offer if I wasn't targeted? My wife got the mailer and I did not. Seems as though its just a public website and code.
Just make sure to mention acceptance code 24660
looks like only a generic code, so it can be used by anyone
I'm getting 40k points on signup targeted offer
I sent them a secure message and converted my Visa Signature cashRewards into card
what is counted as grocery store for this card. does walmart neighborhood market store count as grocery store?
Yes.
Worth noting there's no FTF on Navy Federal cards.
You should probably remove the bullet that says "No sign up bonus"
Fixed, thanks
I just received an offer of 60k points on Navy Federal Flagship card after 4K spend