The Navy Federal More Rewards card gives you three times as many points on certain everyday purchases and doesn't charge you much in fees. You have to be a member of the Navy Federal Credit Union to get this card. People who buy groceries and gas should get a rewards card from Navy Federal. The Navy Federal More Rewards Card gives you 3 points for every dollar you spend at grocery stores and gas stations. You can get as many points as you want. It's not often that you can find a credit card with low interest and unlimited rewards that are good for both groceries shopping and spending at the gas station. This card has no annual fee, no fees for transferring balances, and no fees for transactions made outside the country.

Pros

1. Solid Rewards on Everyday Spending Categories

With tiered rewards credit cards, it's not unusual to earn 3 points per dollar. Still, the Navy Federal Extra Rewards card offers that rate on four commonly used categories: U.S. gas stations, U.S. supermarkets, U.S. restaurants, and U.S. public transportation.

1. There Are Numerous Redemption Options

When you have enough points to use them, you can choose from several ways to do so, such as:

• Statement credits
• Present cards
• Travel Event tickets
• Cashback
• Merchandise

1. Costs Are Low

This credit card doesn't charge an annual fee, and it also doesn't charge fees for cash advances, purchases, or balance transfers made outside of the country.

Cons

1. There is no 0% APR offer

Several credit cards offer introductory 0% APR for a year or more, saving you a lot of money. If this feature is essential to you, compare this card to credit cards with 0% introductory APR to find the best fit.

1. Not everyone can join

To get this card, you have to be a member of the Navy State Credit Union. To join, you need to be a member of at least one of the following groups:

• The staff of the Delayed Entry Program
• Employees of the U.S. government who work at DoD installations
• Civilians in the Department of Defense
• Contractors who work on installations for the DoD
• Active-duty staff, reservists, vets, retired people, and different facilities of the Army and Air National Guard

This Card is Ideal For

The Navy Federal Extra Rewards Card is made for credit union members who want to get a lot of rewards for spending money every day. There is no limit to how many bonus points you can earn at grocery stores, restaurants, gas stations, and public transportation. Note that this card usually doesn't charge a fee for cash from an ATM. But you should still avoid using the card for that purpose. The APR for cash advances is 2% higher than the APR for regular purchases, and interest usually starts to add up immediately instead of giving you a grace period like with regular purchases.

Everything You Need to Know About Reward Credit Cards

Details on How To Get Rewards

You can earn three points for every dollar you spend at U.S. restaurants, gas stations, grocery stores, and public transportation. All other purchases, on the other hand, will only earn 1 point per dollar, so it might be best to combine this card with one that has a higher base rewards rate. Finally, for reward sections, use the Navy Federal Extra Rewards card and the other for everything else. Even if this is the only credit card you have, you can still get a lot out of it because the bonus categories are likely where you spend most of your money each month.

How To Get The Most From Your Rewards

Spend $2,500 in the first 90 days after opening your account to get 20,000 extra points. Make sure to use the card as much as possible, especially when you can get extra rewards. Also, check the credit union's Member Deals platform often to see if you can get extra rewards on purchases you plan to make. Of course, you should watch how much you spend to avoid paying credit card interest, which can cancel out the value of rewards. In a perfect world, you could pay off your balance in full every month to avoid paying interest.

Conclusion

If you're eligible for the Navy Federal More Rewards card, you might want to consider it if you spend money in the bonus categories. Remember that, depending on how you spend your money and what features you want, you might get more value from another reward credit card. Compare the card to other options to find the one that works best for you.