– Apply For Navy Federal More Rewards

Navy Federal Credit Union is offering veterans an opportunity to join their credit union and apply for their Navy Federal More Rewards American Express Card.  As a new member and cardholder as a bonus you will receive 25,000 bonus points.


25,000 bonus points after spending $3,000 within 90 days of opening your account

3x points at supermarkets

3x points for food delivery & restaurants

3x points on gas & transit

1x points on everything else

How to Apply For Navy Federal More Rewards Card

Apply By Phone

Call 1-888-842-6328

Apply Online


Click the orange Apply Now button


If you are already a Navy Federal member you can simply login to your account to apply.  Enter your username and password then click the Sign In button.  

For those that are not Navy Federal members you can enroll by clicking the orange Become a Member button – here is what you’ll need to join:

Social security number

Driver’s license or government ID

Current home address

Credit card or banking account and routing numbers

First name

Last name

Date of birth

Social security number

US citizenship





After completing the online application for membership to the credit union and enrolling to online banking, the next step is to apply for the Navy Federal More Rewards American Express Card.  The site has organized the application process in 3 parts:

Navy Federal membership application

Digital banking enrollment

Credit card application

How to Redeem Navy Federal More Rewards 

Cardholders can redeem their earned rewards online or by using the mobile application.  Here are steps for doing so online:

Redeem Online

Sign into your online account

Find the Accounts page

Select your Rewards card

Under Rewards points, click Rewards to enter the redemption site

Redeem Mobile

Sign into the mobile app

Find your Accounts screen 

Select Rewards card

Select Rewards

Tap Redeem Rewards to enter the redemption site 

Redeem your rewards

Other Navy Federal More Rewards Card Benefits

No rewards limit

Rewards never expire

No annual fee

No foreign transaction fee

Contactless payments

Rates range from 9.65% to 18%

Roadside assistance

Card Fees

Late payment up to $20

Returned Payment up to $20

Contact Customer Service

General Mailing Address

Navy Federal 

PO Box 3000

Merrifield, VA  22119-3000

Call 1-888-842-6328

Send a Secure Message from inside your account

Sign in to online banking

Click Messages

Send us a message


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