Navy Federal More Rewards American Express Card

Annual Fee $0 Annual interest rate 17.40% - 18.00% Variable% _________________________________ no General Points Reward 0.01pts. Gas Points Reward 0.03pts. Groceries Points Reward 0.03pts. Recurring Bills Points Reward no Dinning Points Reward 0.03pts. Pharmacy Points Reward no Other Points Reward no _________________________________ no Recurring Bills Cash Back Reward no Other Cash Back Reward no _________________________________ no

Travel Medical Insurance no Travel Accident Insurance yes Trip Cancellation Insurance no Trip Interruption Insurance no Vehicle Rental Insurance no Travel Family Insurance no Lounge Access (four per year) no Concierge Services no Price Protection Insurance yes Extended Warranty (1 Year) yes Extended Warranty (2 Year) no Special Offer no Purchase Protection (120 days) no Purchase Protection (90 days) yes Purchase Protection (180 days) no Lounge Access (two per year) no Lounge Access (one per year) no Mobile Payment no Baggage Delay/Loss $5000 no

Navy Federal More Rewards American Express Card; $0 annual fee (available only to Navy Federal Credit Union members); earn 3 points per $1 on eligible supermarket, gas, restaurant, and transit purchases (including rideshare, tolls, parking, trains, buses); 1 point per $1 on all other purchases; welcome offer: up to 20,000 points after $3,000 spent in first 90 days; 0% intro APR on balance transfers for 12 months; 17.99%-18% variable purchase APR (capped well below other cards due to federal credit union rate caps); no foreign transaction fee; redeem points at 1 point = 1 cent for statement credit, gift cards, or merchandise; travel accident insurance; auto rental CDW (secondary); purchase protection; $0 liability on unauthorized charges.Navy Federal Credit Union members (active/retired military, DoD civilians, and their families) who want no-fee 3x on everyday categories with capped APR.