Rental car insuranceProvides coverage against damage to or loss of a rental automobile rented in the USA or Canada with the Card.Carried by 186 of 581 cards in the catalog
Navy Federal Credit Union
Navy Federal More Rewards American Express®
$0 a yearEverything this card owes you
0statement credits
$0at face value, a year
5protections included
4spend categories that earn extra
0 of those 0 credits pay nothing until they are activated.
What the number is made of
Your card carries $0 in credits.
Not points and not a valuation. Statement credits with real dollar amounts, attached to real things — a hotel night, a dinner, a membership, a flight you were taking anyway.
The card year
Every credit, on its own clock
The fee is the debit and every credit pays it back — but only inside the window it is live. Mark what you would really use and watch both the calendar and the balance change.
Selections start at “Never.” “Sometimes” counts a credit at 50% of its annual value; “I'd use this” counts it in full. Several of these credits have to be switched on in the issuer's app before they pay anything — that's the “needs activation” tag below.
You get back$0Nothing selected yet — mark the credits you would use above.
Annual fee$0Charged in full, every year, whether you collect or not.
Your effective annual fee$0What the card really costs you once your credits are counted.
Window you would useWindow you would notCard anniversary, not the calendar
Activation
Benefits require activation. We make it easy to enroll in each perk.
Most premium card credits don't start paying automatically. Turn one on in the issuer's app before you count on it.
$0Mark the credits you would use above and this shows what has to be switched on before it pays.Get started — track your activations
What you're covered for
The protections, and how rare they are
These carry no honest dollar value, so they stay out of the ledger above. What they have instead is scarcity: most cards don't carry them.
3 protections included on this card
Rental car insuranceProvides coverage against damage to or loss of a rental automobile rented in the USA or Canada with the Card.Carried by 186 of 581 cards in the catalog
Extended warrantyExtends the terms of original manufacturers' warranties (of twelve months or less) on a covered product purchased entirely with the Card for a period of time equal to the duration of the original manufacturer's warranty, up to one additional year, on products purchased in the United States.Carried by 178 of 581 cards in the catalog
Return protectionEnables Covered Cardmembers to be reimbursed for covered items if they attempt to return them undamaged to the retailer, but the retailer will not accept the return.Carried by 42 of 581 cards in the catalogWhat you get in
Access and status
2 access and status perks on this card
Before the card arrives
Track this one from day one
Seven to ten days pass between applying and the card landing. The wallet is built before it arrives — every credit, every reset date, and the 0 activation steps that decide whether the first month pays anything.
Build my wallet
We'll hold the answers you gave above.
Where these figures come from
Verified, drafted, and dated
All 0 credit values on this page reconcile to the published catalog total of $0. Reset cadence, activation requirements, and shared-versus-per-user status come from the same catalog, not a separate estimate.
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