American ExpressNavy Federal More Rewards American Express
3x on groceries, dining, gas and transit with no annual fee.
Welcome Bonus
30,000
≈$300 value
Spend Requirement
$3,000
in 3 months
Annual Fee
$0
No FTF
Credit Score
670+
(Good)
Current offer note: 30,000 points, elevated offer runs through 6/30/2026
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-06-10 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 3xSupermarkets and food delivery
- 3xRestaurants
- 3xGas and transit
- 1xAll other purchases
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Points never expire while the account is open
- ✦No foreign transaction fees, unusual for an Amex network card
- ✦Cell phone protection
- ✦Amex Offers style merchant deals via the network
Why it earns its spot
- +Effectively 3% on most household spend for free
- +One of the broadest 3x category sets at the $0 fee level
- +No FTF even though it runs on Amex
Where it costs you
- −Navy Federal membership required to apply
- −Points are fixed value with no transfer partners
- −Amex acceptance gaps at small merchants
The Compound Verdict
Quietly one of the best no-fee category cards in the country, it just happens to live behind a membership wall. Groceries, dining, gas and transit at 3x covers most real-life spending. If you have Navy Federal access, this is the everyday card to grab.
Rate this card
Be the first to rate it
Commentson More Rewards
Comments are stored in your browser during our community preview. Accounts, moderation and cross-device sync arrive with Credit Compound Community.