Skip to Main Content

Navy Federal More Rewards American Express® Card review: A great chance at a low APR with fair rewards

A good opportunity for eligible members to earn rewards and save a bit on interest.

 /  11 min
Bankrate logo

The Bankrate promise

At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict , this post may contain references to products from our partners. Here's an explanation for .

Snapshot

4.3

Bankrate rating
Info Icon
Rating: 4.3 stars out of 5

Bottom line

It doesn’t have the highest rewards rates available and doesn’t carry many flashy perks, but it makes up for it with no annual fee and one of the lowest APRs you’ll find. Keep your sights on this card if you’re eligible for it and want to avoid high-interest debt but don’t want to lose boosted rewards rates.
Navy Federal More Rewards American Express® Card

Navy Federal More Rewards American Express® Card

Recommended credit score:(740 - 850)

Intro offer

N/A

Annual fee

$0

APR

10.40% - 18.00% (Variable)

4.3
star iconstar iconstar iconstar iconstar icon
star iconstar iconstar iconstar iconstar icon

Bankrate Score

compare
Compare

Navy Federal More Rewards American Express overview

The Navy Federal More Rewards American Express Card is a great option if you spend frequently in everyday categories because it has generous rewards rates with no annual fee. Its uncapped earnings also make this card a terrific choice for heavy spenders who might otherwise be limited by rewards restrictions on other cards.

Although it’s a decent, low-cost credit card for everyday purchases, this card is exclusive to Navy Federal Credit Union members. Unless you’re a member of the credit union, which is only open to active military, veterans and their families, you’ll want to look elsewhere. If you are eligible for the card, it’s worth comparing it to other rewards cards, as some cash back or points-earning cards may offer better rewards value. 

  • Credit Card Cash Back Icon

    Rewards

    • 3X points at restaurants and on food delivery
    • 3X points on groceries
    • 3X points on gas and transit
    • 1X points on everything else

    Expert Appraisal: Good
    See our expert analysis

  • Credit Card Apr Icon

    Intro APR offer

    • 1.99 percent intro APR on balance transfers made within your first 60 days for 12 months from account opening
    • 14.90 percent to 18 percent variable ongoing APR

    Expert Appraisal: Typical
    See our expert analysis

  • Credit Card Search Icon

    Rates and fees

    • Annual fee: None
    • Late payment fee: Up to $20
    • Returned payment fee: Up to $20
    • ATM Cash advance fee: None at Navy Federal branches or ATMs. All other cash advances are subject to a $0.50 fee for domestic transactions or $1.00 for foreign transactions.
    • Foreign transaction fee: None

    Expert Appraisal: Good
    See our expert analysis

  • Congrats Icon

    Other cardholder perks

    • Statement credit for annual Walmart+ membership
    • Roadside assistance
    • Car rental discounts, plus car rental loss and damage insurance

    Expert Appraisal: Typical
    See our expert analysis

Why you might want the Navy Federal More Rewards

This card has one of the lowest ongoing APRs you’ll find on any rewards card while maintaining its status as a low-interest credit card.

Rewards rate: Boosted points in everyday categories

Navy Federal’s rewards card is tailor-made for people who spend a lot on everyday purchases like supermarkets, dining in, takeout, gas and transit. A low-interest credit card with unlimited boosted rewards in these spending categories is a rare find, so eligible applicants will want to jump to apply.

If you want to consolidate card debt on a low-interest credit card with an introductory APR, but you don’t want to trade rewards value for the opportunity, this card may ease you into the idea. Although it doesn’t have the most generous rewards rates available, it has solid value for everyday spenders who make routine purchases at supermarkets, restaurants and gas stations. These three categories are among the top expenses charged to credit cards annually by average consumers.

Low ongoing APR: Below average rates

Cardholders interested in limiting interest as much as possible will appreciate this card’s low ongoing APR. The current average credit card interest rate hovers above 20 percent, but this card’s highest possible APR doesn’t exceed 18 percent. 

You won’t accrue as much interest with this card outside of its intro APR period as you would with several other cards with identical balances. But as always, you should strive to pay your monthly statement balance in full to avoid accruing interest in the first place.

Perks: Walmart+ Membership credit

For a limited time, cardholders are eligible for a one-time $98 statement credit for an annual Walmart+ membership when they pay $49 or more for a Walmart+ membership using their Navy Federal More Rewards card.

Although this is a niche offering that may appeal only to Walmart customers, it’s a valuable offer that can help offset your annual membership fee for your first year with the card.

Why you might want a different rewards card

Although this card has strong rewards rates and a low ongoing APR, it lacks the benefits available on credit cards from major issuers. Some cardholders may also not want to join a credit union.

Rewards value: Limited redemption methods

While this is an American Express card, cardholders will earn Navy Federal Rewards points, not American Express Membership Rewards points. Navy Federal Rewards are worth 1 cent per point and you can redeem them for cash back, travel, gift cards or merchandise through the Navy Federal website. This is an acceptable point value, but these points lack the power and flexibility of Amex points, which are among the most valuable rewards currencies when transferred for travel purchases.

If you’re hoping to maximize travel redemptions and boost the value of your rewards, this isn’t the card for you. Instead, consider exploring rewards cards from other issuers, like Capital One, Chase and American Express. These issuers have expansive card offerings and top the charts for the best credit card rewards.

Membership required: You’ll need to qualify for Navy Federal 

Because the card is a Navy Federal Credit Union-branded credit card, you have to be a member of the credit union to apply. Eligibility is restricted to those who serve or have served in the military, are civilian personnel with the Department of Defense or are an immediate family member of either.

It doesn’t take much to join if you meet the eligibility requirements, but banking loyalty comes down to personal preference and what makes you the most comfortable. If you don’t want to shake things up just to apply for a credit card, there are more accessible reward card options available with comparable card features, rewards rates and welcome offers. 

Intro APR: Lacks a 0% offer for new cardholders

If you have current card debt, you can take advantage of this card’s modest introductory APR, but there are cards with 0 percent offers that can help shield you from even more interest. This card’s key strength is its low ongoing APR, making it an ideal match for people making new purchases who need to carry their balance for a few months.

No welcome offer: Compares poorly to competitors

The lack of a welcome offer is disappointing no matter the card type. This is especially true because many cash back and rewards cards at this credit tier offer sign-up bonuses valued at around $200. 

Best cards to pair with the Navy Federal More Rewards Amex

If you want to supplement the rewards you earn with the Navy Federal More Rewards, consider these two options.

Who is the Navy Federal More Rewards Amex right for?

The More Rewards Amex is a good pick for any eligible member who wants a rewards card that can earn on common spending categories.

Bankrate’s Take — Is the Navy Federal More Rewards American Express Card worth it?

Yes. This card is great for securing a low interest rate without any stakes or high fees. If you’re eligible or are already a member of Navy Federal, you might consider carrying this card just for its low APR, which can help dredge up some interest savings if you need to carry a balance.

Unfortunately, this card is gated behind membership. If you’re not a Navy Federal member then you can’t apply, but there are several other low interest reward credit cards worth considering.

How we rated this card

Document Icon
150+
cards rated
Congrats Icon
50+
rewards programs valued
Search Icon
1800
data points analyzed
Credit Card Reviews Icon
40+
perks evaluated

We rate credit cards using a proprietary card scoring system that ranks each card’s estimated average rewards rate, estimated annual earnings, welcome bonus value, APR, fees, perks and more against those of other cards in its primary category.

Each card feature is assigned a weighting based on how important it is to people looking for a card in a given category. These features are then scored based on how they rank relative to the features on other cards in the category. Based on these calculations, each card receives an overall rating of 1-5 stars (with 5 being the highest possible score and 1 being the lowest). 

We analyzed over 150 of the most popular rewards and cash back cards to determine where each stacked up based on their value, cost, benefits and more. Here are some of the key factors that influenced this card’s overall score and how the score influenced our review:

What cardholders think

Image of Navy Federal More Rewards American Express® Card

Navy Federal More Rewards American Express® Card

4.6 Star Icon
47 ratings
Info Icon
Score breakdown
5 stars
70%
4 stars
26%
3 stars
2%
2 stars
2%
1 star
0%
Score by category
Overall 4.6 / 5
Extra perks 4.1 / 5
Privacy and security 4.6 / 5
Customer service 4.5 / 5
Online portal or mobile app 4.6 / 5
Ease of rewards redemption 4.5 / 5
Rewards value 4.4 / 5

In May 2024, Bankrate collaborated with third-party SliceMR to survey 6160 cardholders nationwide. Bankrate and Slice MR collected, averaged and presented website analytics and cardholder responses to six questions on a 5-point scale. Responses are based on individual cardholder’s product details, and therefore cannot be verified for accuracy. User ratings are unedited and have not been reviewed or approved by credit card issuers, nor do these ratings reflect Bankrate’s own reviews of these cards.

Community Reviews

Explore Navy Federal More Rewards American Express® Card reviews from certified cardholders.
Search Icon
Caret Down Icon
Anonymous Cardholder
May 31, 2024
If you have redeemed points/miles for anything, tell us about that redemption? What did you get to do and how many points/miles did you redeem for it?
I used 20,000 points from purchases I made
Score by category
Extra perks 4 / 5
Online portal or mobile app 5 / 5
Rewards value 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Ease of rewards redemption 5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Couldn't live without this card in my daily life, personal debit
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Rewards value 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Ease of rewards redemption 5 / 5
Anonymous Cardholder
May 31, 2024
Do you have any experience transferring points or miles with this card? If so, where did you transfer to and how would you describe this experience?
No issues. Always use air miles with airlines.
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Rewards value 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Ease of rewards redemption 5 / 5
Anonymous Cardholder
May 31, 2024
Do you have any experience transferring points or miles with this card? If so, where did you transfer to and how would you describe this experience?
I transfer my points in cash that I put into my saving account.
Score by category
Extra perks 3 / 5
Online portal or mobile app 5 / 5
Rewards value 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Ease of rewards redemption 5 / 5
Anonymous Cardholder
May 31, 2024
Do you have any experience transferring points or miles with this card? If so, where did you transfer to and how would you describe this experience?
Nothing special. Used it a few times and paid it off
Score by category
Rewards value 5 / 5
Customer service 5 / 5
Ease of rewards redemption 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
It’s a great card
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Rewards value 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Ease of rewards redemption 5 / 5
Anonymous Cardholder
May 31, 2024
If you have redeemed points/miles for anything, tell us about that redemption? What did you get to do and how many points/miles did you redeem for it?
I have not as of yet
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Rewards value 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Ease of rewards redemption 5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Yes because of it’s benefits and rewards
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Rewards value 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Ease of rewards redemption 5 / 5
Anonymous Cardholder
May 31, 2024
If you have redeemed points/miles for anything, tell us about that redemption? What did you get to do and how many points/miles did you redeem for it?
Not at this time
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Rewards value 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Ease of rewards redemption 5 / 5
Anonymous Cardholder
May 31, 2024
If you have redeemed points/miles for anything, tell us about that redemption? What did you get to do and how many points/miles did you redeem for it?
You receive more benefits than the standard card, I have yet to redeem
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Rewards value 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Ease of rewards redemption 5 / 5
Anonymous Cardholder
May 31, 2024
Do you have any experience transferring points or miles with this card? If so, where did you transfer to and how would you describe this experience?
Yes
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Rewards value 5 / 5
Customer service 4 / 5
Privacy and security 5 / 5
Ease of rewards redemption 5 / 5
Anonymous Cardholder
May 31, 2024
If you have redeemed points/miles for anything, tell us about that redemption? What did you get to do and how many points/miles did you redeem for it?
The redemption process was very easy and fast. I redeemed points to get a gift card. It shipped quickly and gave me confidence in the process.
Score by category
Extra perks 3 / 5
Online portal or mobile app 4 / 5
Rewards value 4 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Ease of rewards redemption 5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
No just for emergencies or if we are running low on funds.
Score by category
Extra perks 4 / 5
Online portal or mobile app 4 / 5
Rewards value 3 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Ease of rewards redemption 4 / 5
Anonymous Cardholder
May 31, 2024
Do you have any experience transferring points or miles with this card? If so, where did you transfer to and how would you describe this experience?
Every experience with Navy Federal is nothing but first class. Ever since I opened my first account with them 27 years ago right after I graduated Marine Corps boot camp they have treated me like family then and exactly the same today, 27 years later. Even though I don't have a local branch within 250 miles from my house it doesnt even matter. I now have multiple different accounts with them and will never close any of them as long as I live. Best bank and customer service in my life.
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Rewards value 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Ease of rewards redemption 5 / 5
Anonymous Cardholder
May 31, 2024
Do you have any experience transferring points or miles with this card? If so, where did you transfer to and how would you describe this experience?
i transferred for a statement credit and it was very easy
Score by category
Extra perks 3 / 5
Online portal or mobile app 5 / 5
Rewards value 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Ease of rewards redemption 5 / 5
Anonymous Cardholder
May 31, 2024
If you have redeemed points/miles for anything, tell us about that redemption? What did you get to do and how many points/miles did you redeem for it?
I applied the points to my balance
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Rewards value 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Ease of rewards redemption 5 / 5
Anonymous Cardholder
May 31, 2024
Do you have any experience transferring points or miles with this card? If so, where did you transfer to and how would you describe this experience?
I transferred at my local branch. It was quick, secure , east and they were friendly and supportive
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Rewards value 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Ease of rewards redemption 5 / 5
Anonymous Cardholder
May 31, 2024
If you have redeemed points/miles for anything, tell us about that redemption? What did you get to do and how many points/miles did you redeem for it?
The cash rewards give you $ for the money you spend. I’ve cashed out when it’s about $60 or so.
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Rewards value 3 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Ease of rewards redemption 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
I would recommend it
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Rewards value 4 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Ease of rewards redemption 5 / 5
Anonymous Cardholder
May 31, 2024
If you have redeemed points/miles for anything, tell us about that redemption? What did you get to do and how many points/miles did you redeem for it?
It’s just a great company all my issues are handled beyond my thoughts
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Rewards value 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Ease of rewards redemption 5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
This card is a part of my everyday life, because of the rewards and benefits the card offers.
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Rewards value 4 / 5
Customer service 5 / 5
Privacy and security 4 / 5
Ease of rewards redemption 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
Because it’s a great company
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Rewards value 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Ease of rewards redemption 5 / 5
Anonymous Cardholder
May 31, 2024
If you have redeemed points/miles for anything, tell us about that redemption? What did you get to do and how many points/miles did you redeem for it?
I have cash rewards. I usually let it build up and " forget"about it. It has come in handy a few times with bills needing to be paid when I've run short on income.
Score by category
Extra perks 3 / 5
Online portal or mobile app 5 / 5
Rewards value 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Ease of rewards redemption 5 / 5
Anonymous Cardholder
May 31, 2024
If you have redeemed points/miles for anything, tell us about that redemption? What did you get to do and how many points/miles did you redeem for it?
I used it to pay credit card debt.
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Rewards value 4 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Ease of rewards redemption 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
Definitely a good credit union to have a account with.
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Rewards value 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Ease of rewards redemption 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
This card also help build and boost your credit points fast and great cash advance
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Rewards value 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Ease of rewards redemption 5 / 5
Anonymous Cardholder
May 31, 2024
If you have redeemed points/miles for anything, tell us about that redemption? What did you get to do and how many points/miles did you redeem for it?
never
Score by category
Extra perks 3 / 5
Online portal or mobile app 5 / 5
Rewards value 3 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Ease of rewards redemption 2 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Yes, one of my favorite cards to use love navy federal
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Rewards value 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Ease of rewards redemption 5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Yes….good rate…
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Rewards value 5 / 5
Privacy and security 5 / 5
Ease of rewards redemption 5 / 5
Anonymous Cardholder
May 31, 2024
If you have redeemed points/miles for anything, tell us about that redemption? What did you get to do and how many points/miles did you redeem for it?
I have redeemed points towards a bathroom scale and that was roughly 1,800 points and I have also redeemed points towards cash back and that was roughly 20,000 points
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Rewards value 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Ease of rewards redemption 5 / 5
Anonymous Cardholder
May 31, 2024
If you have redeemed points/miles for anything, tell us about that redemption? What did you get to do and how many points/miles did you redeem for it?
I recently redeemed my points from the Navy Federal More Rewards American Express® Card for a weekend getaway to a luxurious spa resort. With just 50,000 points, I enjoyed a relaxing retreat filled with massages, gourmet dining, and rejuvenating treatments.
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Rewards value 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Ease of rewards redemption 5 / 5
Anonymous Cardholder
May 31, 2024
Do you have any experience transferring points or miles with this card? If so, where did you transfer to and how would you describe this experience?
I transferred points to my Bank of America card and I used it for traveling
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Rewards value 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Ease of rewards redemption 4 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
I would recommend it positively
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Rewards value 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Ease of rewards redemption 5 / 5
Anonymous Cardholder
May 31, 2024
If you have redeemed points/miles for anything, tell us about that redemption? What did you get to do and how many points/miles did you redeem for it?
Only redeemed for cash back
Score by category
Online portal or mobile app 5 / 5
Rewards value 4 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Ease of rewards redemption 5 / 5
Anonymous Cardholder
May 31, 2024
If you have redeemed points/miles for anything, tell us about that redemption? What did you get to do and how many points/miles did you redeem for it?
I have not redeemed points as yet,
Score by category
Online portal or mobile app 4 / 5
Rewards value 4 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
If you have redeemed points/miles for anything, tell us about that redemption? What did you get to do and how many points/miles did you redeem for it?
10,000 points for $100 cash back
Score by category
Extra perks 3 / 5
Online portal or mobile app 4 / 5
Rewards value 4 / 5
Customer service 4 / 5
Privacy and security 4 / 5
Ease of rewards redemption 5 / 5
Anonymous Cardholder
May 31, 2024
If you have redeemed points/miles for anything, tell us about that redemption? What did you get to do and how many points/miles did you redeem for it?
Cash
Score by category
Extra perks 3 / 5
Online portal or mobile app 5 / 5
Rewards value 5 / 5
Customer service 4 / 5
Privacy and security 4 / 5
Ease of rewards redemption 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
I would recommend this card because the people behind it are trustworthy
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Rewards value 4 / 5
Customer service 4 / 5
Privacy and security 4 / 5
Ease of rewards redemption 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
I would. I've had it for years
Score by category
Extra perks 4 / 5
Online portal or mobile app 5 / 5
Rewards value 4 / 5
Customer service 4 / 5
Privacy and security 5 / 5
Ease of rewards redemption 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
yea i would recommend this card to a friend because it’s a pretty decent card they offer 3x on restaurants and food deliveries and also groceries
Score by category
Extra perks 4 / 5
Online portal or mobile app 5 / 5
Rewards value 3 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Ease of rewards redemption 5 / 5
Anonymous Cardholder
May 31, 2024
Do you have any experience transferring points or miles with this card? If so, where did you transfer to and how would you describe this experience?
No
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Rewards value 3 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
I would recommend this card to a friend because it is an amazing card to have. I love the perks and it comes in handy when needed.
Score by category
Extra perks 4 / 5
Online portal or mobile app 3 / 5
Rewards value 4 / 5
Customer service 5 / 5
Privacy and security 3 / 5
Ease of rewards redemption 3 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
No, I usually don’t try to use credit
Score by category
Extra perks 4 / 5
Online portal or mobile app 4 / 5
Rewards value 4 / 5
Customer service 4 / 5
Privacy and security 4 / 5
Ease of rewards redemption 4 / 5
Anonymous Cardholder
May 31, 2024
If you have redeemed points/miles for anything, tell us about that redemption? What did you get to do and how many points/miles did you redeem for it?
when I redeemed my points I was able to exchange it for some cash back and therefore able to save a couple of bucks
Score by category
Extra perks 4 / 5
Online portal or mobile app 4 / 5
Rewards value 4 / 5
Customer service 4 / 5
Privacy and security 5 / 5
Ease of rewards redemption 4 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Yes, when I want to get cash back or rewards
Score by category
Extra perks 3 / 5
Online portal or mobile app 4 / 5
Rewards value 4 / 5
Customer service 4 / 5
Privacy and security 4 / 5
Ease of rewards redemption 3 / 5
Anonymous Cardholder
May 31, 2024
If this card had an annual fee, do you feel it was worth it? What card features and benefits helped you offset the cost?
Yes. This card has an annual fee. It is fine.
Score by category
Extra perks 3 / 5
Online portal or mobile app 3 / 5
Rewards value 4 / 5
Customer service 3 / 5
Privacy and security 4 / 5
Ease of rewards redemption 4 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Easy to use
Score by category
Extra perks 4 / 5
Online portal or mobile app 2 / 5
Rewards value 2 / 5
Customer service 3 / 5
Privacy and security 3 / 5
Ease of rewards redemption 4 / 5
Written by
Brendan Dyer
Associate Editor, Credit Cards
Brendan Dyer holds a Master of Fine Arts in Journalism from Western Connecticut State University and worked previously as a content editor for Regional News Network, a hyper-local TV news station contracted by Verizon FiOS1 News. As a national service volunteer, Brendan exercised a passion for helping underserved communities and demographics through direct, community service. He constantly seeks to apply his expertise as a journalist to the field of personal finance with the goal of helping people navigate the complexities of the credit card industry.
Edited by Editor, Credit cards

* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

Editorial Disclosure: Opinions expressed here are the author's alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.