Navy Federal More Rewards American Express

The More Rewards Amex earns 3 points per dollar across four of the biggest everyday categories at once, dining including food delivery, groceries, gas and transit, and it does that with no annual fee and no foreign transaction fee. That breadth is rare at $0, and the regular APR range of 14.15% to 18% is well below what most rewards cards charge if you ever carry a balance. The opening offer is modest but easy to clear: 20,000 points worth $200 after $2,000 in the first three months, on applications through 1/3/2027. The catch is everything outside those four categories earns just 1 point per dollar, so this is a supporting card for routine spending rather than a single-card solution. No balance transfer fees and car rental discounts with loss and damage coverage round it out.